Questions and answers

Frequently asked questions

Last updated: September 16, 2026

Common questions about how Net Worth View stores your data, what it can import and export, and how its figures are produced. For the formulas themselves, see the calculation methodology and assumptions.

Is my financial data uploaded anywhere?

No. Everything you enter is stored in this browser, using IndexedDB with a local browser-storage mirror. There is no Net Worth View account and no server-side copy of your figures. The only network requests the app makes fetch public exchange rates and send limited cookieless analytics, and — if you consent — enable analytics cookies and ads. Your balances, income and expenses are never part of those requests.

Is Net Worth View free?

Yes. The net worth tracker, the cash flow tracker and the FIRE projection calculator are all free to use, with no account, no sign-up, no trial period and no paid tier. The site is supported by advertising, which you can control at any time through Cookie settings in the footer.

How do I back up or move my data?

Open Data → Export backup to download a complete JSON file of everything you have entered, then use Import backup on another device or browser to restore it. Importing offers Merge, which keeps what is already there and adds what the file contains, or Replace, which discards the current data first. Because nothing is synced for you, an export is the only copy that survives losing the browser.

Will my data survive clearing my browser or switching device?

Not on its own. Clearing site data, losing a device or ending a private-browsing session can remove your records. Browser storage policies may also remove site data. Installing the site as a web app may improve persistence, but it does not replace a backup. Keep a recent JSON export somewhere you can recover it, and import that file to move to another browser.

Can I import from a spreadsheet or bank export?

Yes. Data → Import CSV accepts either a cash-flow file, with month, kind, category, subcategory, amount, currency and note columns, or a balances file, with a date column plus one column per account. Imports merge into your existing data rather than replacing it, so you can bring history in one file at a time. Export CSV produces the same shapes if you would rather edit in a spreadsheet and import the result back.

Can I track accounts in different currencies?

Yes. Each account and cash-flow entry keeps its own currency. Conversion uses saved rates where available. When you add or edit a record, the app attempts a historical lookup; monthly cash-flow entries use the first day of the month. Missing historical rates can fall back to current rates, and imported records may have no saved rates. If no usable conversion is available, the numerical amount is left unchanged. Multi-currency totals are therefore estimates.

How does the FIRE projection decide when I reach financial independence?

You set a target and choose whether it is a fixed nominal amount or one in today’s money. The projection carries your latest balances forward using a growth rate per asset class, your ongoing contributions, debt repayments and a single annual inflation rate, then reports the first year in which the selected net-worth scope meets that target. Property counts toward the target when included, even though it cannot fund drawdown. Reaching the target is not a test of whether retirement spending is sustainable. A pension keeps compounding before its access year but is excluded from accessible net worth until then, and property is never treated as a liquid source for drawdown. These are deterministic scenarios: they assume constant rates and do not model market volatility, taxes or fees.

Do cash flow and projections update each other automatically?

Your latest balance snapshot sets the opening balances for the projection. Cash-flow entries do not change account balances or planned projection contributions. The projection offers an average-savings suggestion; click Apply to investments to use it. After later cash-flow edits, apply the updated suggestion again if you want it in your plan.

Recurring templates also require an explicit action: add monthly items from a month row or yearly items from a year row in Entries. They do not post automatically.

See the calculations with sample figures

Try the multi-currency net worth example, cash flow and savings rate example or FIRE pension bridge example. All sample figures are fictional. The creator and maintenance notes explain who maintains the calculations and how to report an issue.

Something else?

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