# Exitmargin > A manual net worth tracker without bank linking or an account. Add assets and debts, save dated checkpoints, and compare recorded months. Financial records stay in the user’s browser profile. Records and backups are not app-encrypted. Keep a private backup; there is no automatic device sync. These links describe public pages only, not private journals. Calculators need the HTML page for interaction; Markdown copies contain their instructions. ## Start here - [Manual Net Worth Tracker Without Bank Linking | Exitmargin](https://exitmargin.com/index.md): Track assets and debts, save dated checkpoints, and compare your net worth over time. No bank linking or account required. Records stay in your browser. - [How Exitmargin Works — Private Net Worth Tracking](https://exitmargin.com/how-it-works.md): Follow a worked example from adding holdings to reviewing balances, saving a checkpoint, comparing months, and keeping a portable backup. ## Calculators and worksheet - [Net Worth Calculator — Assets & Liabilities | Exitmargin](https://exitmargin.com/net-worth-calculator.md): Calculate assets minus liabilities instantly in your browser. A free net worth calculator with no signup, bank linking, or upload of financial values. - [US Net Worth Calculator — 401(k), IRA & Debt | Exitmargin](https://exitmargin.com/net-worth-calculator/us.md): Calculate US net worth in USD with vested 401(k), IRA, brokerage, employer shares, property, mortgage, and student-loan balances. Private, with no bank linking. - [Net Worth Calculator India — EPF, PPF, NPS & Loans | Exitmargin](https://exitmargin.com/net-worth-calculator/india.md): Calculate net worth in INR with separate fields for FD, mutual funds, EPF, PPF, NPS, vested RSUs, gold, property, and debt. No signup or bank linking. - [UK Net Worth Calculator — ISAs, Pensions & Debt | Exitmargin](https://exitmargin.com/net-worth-calculator/uk.md): Calculate UK net worth in GBP with separate cash ISAs, stocks and shares ISAs, pension pots, SIPPs, property, mortgages, and debts. No signup or bank linking. - [Canada Net Worth Calculator — RRSP, TFSA & FHSA | Exitmargin](https://exitmargin.com/net-worth-calculator/canada.md): Calculate Canadian net worth in CAD with RRSP, TFSA, FHSA, RRIF and other retirement accounts, property, and debt. No signup or bank linking. - [Liquid Net Worth Calculator — Compare Total & Liquid | Exitmargin](https://exitmargin.com/liquid-net-worth-calculator.md): Calculate liquid assets minus all debts, then compare with total net worth. Choose eligible assets explicitly. No account or bank connection required. - [Free Net Worth Spreadsheet: Excel & Google Sheets | Exitmargin](https://exitmargin.com/net-worth-worksheet.md): Download a free net worth spreadsheet for Excel or copy the Google Sheets template. Record assets, debts, and dated totals. Includes formulas. No email signup. ## Guides - [Personal Wealth & Net Worth Guides | Exitmargin](https://exitmargin.com/guides.md): Learn what counts toward net worth, how to track it over time, and how to keep a private record. Practical guides, clear examples, and free tools. - [Finance Tracker Privacy: 18 Tools Compared — Exitmargin](https://exitmargin.com/guides/finance-tracker-privacy-comparison.md): Compare manual net worth trackers and documented storage, bank connections, encryption, and recovery limits across 18 finance tools. Includes sources and unknowns. - [How to Track Net Worth Over Time — Exitmargin](https://exitmargin.com/guides/how-to-track-net-worth.md): Build a useful net worth history with consistent valuations, dated snapshots, and a calm monthly or quarterly review. Includes a worked comparison. - [What Counts Toward Net Worth? — Exitmargin](https://exitmargin.com/guides/what-counts-in-net-worth.md): Decide which cash, investments, retirement savings, property, vehicles, and debts belong in a personal balance sheet. Avoid common double-counting errors. - [How Often Should You Track Your Net Worth? — Exitmargin](https://exitmargin.com/guides/how-often-to-track-net-worth.md): Compare daily, weekly, monthly, quarterly, and annual net worth reviews. Choose a useful recording cadence without monitoring every market movement. - [Net Worth vs Portfolio Value — Exitmargin](https://exitmargin.com/guides/net-worth-vs-investment-portfolio.md): Portfolio value measures investments. Net worth includes your other assets and subtracts debt. A worked example explains why their growth can differ. - [Liquid Net Worth vs Net Worth — Exitmargin](https://exitmargin.com/guides/net-worth-vs-liquid-net-worth.md): Learn why property and restricted savings can count toward net worth without being available cash. Define and calculate a consistent liquid net worth view. - [How to Calculate Net Worth in India — Exitmargin](https://exitmargin.com/guides/net-worth-india.md): Build an INR personal balance sheet with deposits, mutual funds, EPF, PPF, NPS, vested shares, gold, property, and outstanding debt. Keep valuation limits clear. - [How to Calculate Net Worth in the US — Exitmargin](https://exitmargin.com/guides/net-worth-us.md): Build a USD balance sheet with vested 401(k)s, IRAs, brokerage accounts, property, and debt. Includes a worked example and retirement valuation limits. - [How to Calculate Net Worth in the UK — Exitmargin](https://exitmargin.com/guides/net-worth-uk.md): Build a GBP balance sheet with ISAs, pension pots, SIPPs, property, and debt. Understand pension income, student-loan balances, and double counting. - [How to Calculate Net Worth in Canada — Exitmargin](https://exitmargin.com/guides/net-worth-canada.md): Build a CAD balance sheet with RRSPs, TFSAs, FHSAs, RRIFs, pensions, property, and debt. Check RESP, RDSP, and insurance scope with Canadian sources. - [How to calculate your net worth — Exitmargin](https://exitmargin.com/guides/how-to-calculate-net-worth.md): List your assets, subtract your liabilities, and record the date. A worked example explains property, loans, shared ownership, and negative net worth. - [Review Finances Without Tracking Every Transaction — Exitmargin](https://exitmargin.com/guides/review-finances-without-tracking-every-transaction.md): Use dated balance checkpoints to compare assets and debt. Learn what a balance review can explain, what it cannot, and how to keep a useful record. - [Net Worth Spreadsheet vs App: Which Should You Use? — Exitmargin](https://exitmargin.com/guides/spreadsheet-and-financial-journal.md): Compare the free Exitmargin spreadsheet with its manual tracking app. See the same balances in both, how history is saved, and where each tool falls short. - [How to Track Net Worth Without Linking Bank Accounts — Exitmargin](https://exitmargin.com/guides/private-financial-record-without-bank-connections.md): Record balances by hand without sharing bank credentials. Follow a worked example from adding assets and debt to saving checkpoints and comparing months. ## About and policies - [About Exitmargin — A Privacy-First Financial Journal](https://exitmargin.com/about.md): Meet Abey Thomas, the software engineer behind Exitmargin. Read why it exists, how its educational guides are maintained, and what local-first tracking means. - [Help & Contact — Exitmargin](https://exitmargin.com/help.md): Get help with holdings, custom categories, checkpoints, currency, backups, and local storage. Contact support without sharing financial records. - [Privacy at Exitmargin — Local-First Financial Tracking](https://exitmargin.com/privacy.md): Understand browser-local financial records, private backups, encryption limits, and Cloudflare hosting. No bank linking or financial-record uploads.