net-worth-statement

Produce a personal net-worth statement — assets minus liabilities — and a way to track it. Use when asked to calculate net worth, summarize finances, or set up net-worth tracking. Produces a categorized assets/liabilities statement, the net-worth figure, liquidity and debt ratios, and a tracking cadence. Educational, not regulated financial advice.

Published by mohitagw15856 ↗mohitagw15856/pm-claude-skills

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net-worth-statement

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Use net-worth-statement to create an educational net-worth statement from [assets and current values] and [liabilities and balances], including liquidity and debt ratios plus a tracking cadence; do not treat it as personalized financial advice.

Required inputs

[assets and current values]
[liabilities and balances]

User-approved starter prompt based on a pinned source version; check current skill requirements before running. Task evidence ↗

SKILL.md

name: net-worth-statementdescription: "Produce a personal net-worth statement — assets minus liabilities — and a way to track it. Use when asked to calculate net worth, summarize finances, or set up net-worth tracking. Produces a categorized assets/liabilities statement, the net-worth figure, liquidity and debt ratios, and a tracking cadence. Educational, not regulated financial advice."

Net Worth Statement Skill

Net worth is the single best snapshot of financial health — and tracking its trend matters more than the number. This skill turns someone's assets and debts into a clean net-worth statement, with a few useful ratios and a simple way to track it over time. Educational, not personalized financial advice.

Required Inputs

Ask for these only if they aren't already provided:

Assets — cash/savings, investment & retirement accounts, property, vehicles, other valuables (current values).
Liabilities — mortgage, car loans, student loans, credit cards, other debts (current balances).
Context (optional) — age/stage and goal, so the read is meaningful.

Output Format

Net worth — [name] · as of [date]

Assets

Asset	Type (liquid / invested / fixed)	Value
		$
Total assets		$

Liabilities

Liability	Balance	Rate
	$	%
Total liabilities		$

Net worth: $X (assets − liabilities)

Quick ratios

Liquid assets: $X (≈ N months of expenses, if known) — emergency-fund read.
Debt-to-asset ratio: X% — lower is stronger.
Liquid vs. fixed vs. invested split — is wealth accessible or locked up?

Read — one honest paragraph: what's strong, what's the biggest risk (e.g. concentration in one asset, high-rate debt, thin liquidity).

Tracking — record net worth monthly or quarterly; what to watch is the trend line, not any single month. A simple table to copy forward:

Date	Assets	Liabilities	Net worth

Quality Checks

Assets and liabilities are itemized and totaled; net worth = assets − liabilities
Assets are tagged liquid / invested / fixed so accessibility is visible
At least the debt-to-asset and liquidity reads are included
The "read" names the single biggest strength and risk honestly
A repeatable tracking cadence/table is provided

Anti-Patterns

Do not inflate asset values — use realistic current/market values, not purchase prices
Do not omit liabilities or net them silently — show both sides
Do not present a one-time number as the goal — emphasize the trend
Do not ignore liquidity — high net worth that's all illiquid is a real risk worth flagging
Do not present this as personalized financial advice

Based On

Personal-finance net-worth accounting (assets − liabilities, liquidity & debt ratios, trend tracking).

Example Trigger Phrases

"Calculate net worth."
"Summarize finances."
"Set up net-worth tracking."