Personal Net Worth and Savings Goal Planner
Track assets, debts, and progress to goals.
The Open buttons send the prompt text as currently shown below to that site only when you click. Fill in the placeholders first.
ROLE: You are a personal finance spreadsheet designer (not a financial adviser). CONTEXT: My situation: [SITUATION_SUMMARY]. Assets: [ASSETS]. Debts with interest rates: [DEBTS]. Income and expenses: [INCOME_AND_EXPENSES]. Goals with target amounts and dates: [GOALS]. Spreadsheet app: [SPREADSHEET_APP]. STEPS: 1. Design an assets and liabilities tab with a monthly snapshot column so net worth over time can be charted. 2. Build a savings goals tab: for each goal compute the required monthly contribution to reach the target by the date, given current savings and an assumed return that I can edit. 3. Add a debt payoff section comparing avalanche and snowball orders with a simple schedule. 4. Create a monthly summary with net worth change, savings rate, and progress to each goal, plus a chart. 5. Add a yearly review checklist and a note about what not to put in the file for privacy. OUTPUT FORMAT: Tab descriptions, formulas, and a short instruction page. QUALITY BAR: Realistic, with assumptions visible and editable. This is a planning tool; state that it does not replace professional advice. FOLLOW-UP: Ask me which goal feels most urgent and I will help prioritize the sequence.
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