Net Worth TrackerSri Lanka

Start with financial assets: savings and current accounts, fixed deposits, Treasury bills and bonds, unit trust holdings and your CSE portfolio at current market value. Then add retirement funds, which for most employees means EPF and ETF balances, built from the employee’s 8 percent and employer’s 12 percent EPF contributions plus the employer’s 3 percent ETF contribution; check your balance through your fund statements rather than guessing, because after a long career it is often a household’s largest financial asset.

Then come physical assets: property at a realistic current market value, not the price you paid or the price you hope for, and vehicles at what they would actually fetch today. Gold and jewellery deserve their own line in a Sri Lankan balance sheet, since gold is a culturally significant store of value here, gifted at weddings and trusted across generations; value it at current market rates for the gold content rather than the sentimental or purchase price.

Liabilities are the outstanding balances of every debt: housing loan, vehicle lease, personal loans, credit card balances, and any borrowings from family or informal lenders, which count just as much as bank debt. For leases and loans, use the remaining capital outstanding, which your lender can confirm, rather than the sum of remaining instalments, since instalments include future interest you have not yet incurred.

In the sample above, net worth is Rs 40,000,000 minus Rs 13,950,000, which is Rs 26,050,000. But the composition matters as much as the total. This household holds most of its wealth in a single illiquid property, with modest liquid savings; a medical emergency would strain it despite the healthy headline. Watching the split between liquid assets, retirement assets and property tells you whether your wealth could actually be reached when life demands it.

Track the trend rather than obsessing over any single reading. Update quarterly or twice a year, and expect wobbles: a market dip or a property revaluation can move the number without meaning you did anything wrong. What matters is the direction across years, driven by steady saving and debt reduction.

The tracker is only useful if the inputs are honest. Resist inflating your property value or ignoring a loan from a relative; you are not impressing anyone, you are informing yourself. Where a value is uncertain, choose the conservative end, so surprises tend to be pleasant ones.

Finally, a note on privacy: this tracker stores your data locally in your own browser, not on our servers. Your household balance sheet is among the most sensitive information you have, and keeping it on your own device is the safest default. That also means clearing your browser data will erase it, so keep your own copy of the figures if you want a long-term record.

Use one dated snapshot and evidence rule for every update: bank and fund statement balances on that date, a recent lender capital balance, quoted CSE prices, and a conservative property or vehicle estimate with its source noted. Avoid double counting — an FD already included under assets must not also appear as “cash”, and a jointly owned home should be counted only to the household share being measured. Keep acquisition cost separately where it helps tax records, but use current value for net worth. A spouse or executor should be able to locate the institution names, account references, ownership, and nominations without the tracker containing passwords or PINs.