SkillsAdd

mohitagw15856/pm-claude-skills

net-worth-statement

Produce a personal net-worth statement — assets minus liabilities — and a way to track it.

First seen Aug 2, 2026

Installation

$ npx skills add mohitagw15856/pm-claude-skills --skill net-worth-statement
View on skills.sh ↗ GitHub repository ↗

Summary

  • 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.

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More details

Agent compatibility

Declared targets from SKILL.md / docs. Unmarked agents are not listed — the skill may still install via the CLI.

Claude Code Not declared
Cursor Not declared
Codex Not declared
GitHub Copilot Not declared
Windsurf Not declared
Gemini CLI Not declared
Cline Not declared
OpenCode Not declared

Repository health

Stars 1.3K
License LICENSE
Default branch main
Open issues 7
Status Active

Package contents

Files included with this skill beyond the listing page.

  • skill md SKILL.md 2,964 B
  • docs SUMMARY.md 381 B

History

  1. First seen on skills.sh
  2. First recorded snapshot · 2 installs

SKILL.md

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).