About this app

Editable accounts split into liquid, invested and property against liabilities, producing net worth, a composition bar, debt-to-assets and months of runway from liquid savings alone. The projection uses only stated saving, no assumed returns, so the line is arithmetic rather than a forecast. Argues the case that matters: a large net worth with thin liquid reserves is the position that forces a sale at the worst moment, because the emergency and the bad market tend to arrive together.