Calculate Your 2026 Net Worth
Your net worth is the single most important number in personal finance. It is simple: everything you own minus everything you owe.
Assets (What You Own)
| Asset | Amount |
|---|---|
| Checking accounts | $_____ |
| Savings accounts | $_____ |
| Investment accounts | $_____ |
| Retirement accounts (401k, IRA) | $_____ |
| Home equity | $_____ |
| Vehicle value | $_____ |
| Other assets | $_____ |
| Total Assets | $_____ |
Liabilities (What You Owe)
| Liability | Amount |
|---|---|
| Credit card balances | $_____ |
| Student loans | $_____ |
| Car loans | $_____ |
| Mortgage remaining | $_____ |
| Other debts | $_____ |
| Total Liabilities | $_____ |
Net Worth = Total Assets - Total Liabilities = $_____
Compare this to your net worth from the beginning of the year. Did it increase? By how much? Understanding the direction matters more than the absolute number.
Annual Spending Review
If you tracked expenses in Pocket Clear, export your annual data. Analyze these questions:
- What were your top 3 spending categories?
- Which category surprised you most?
- Where did you stay within budget?
- Where did you consistently overspend?
- What was your total annual spending?
- What was your savings rate (income - spending) / income?
Goal Achievement Assessment
Review each goal you set in January:
- Achieved: Celebrate it. What helped you succeed?
- Partially achieved: What blocked full completion? Carry it into 2027 with adjustments.
- Not achieved: Was it unrealistic, or did priorities change? Either adjust and retry or let it go.
Financial Lessons from 2026
Write down your top 3-5 financial lessons from the year. Examples:
- "Tracking expenses made me aware of how much I spent on dining out"
- "Starting a sinking fund for holidays eliminated January debt"
- "Negotiating my internet bill saved $360 over the year"
- "Impulse purchases on Amazon were my biggest budget leak"
These lessons become your guidance for 2027 planning.
Planning for 2027
Using everything you have learned from 2026:
- Set 2-3 specific financial goals for 2027
- Create a monthly budget based on actual 2026 spending (not guesses)
- Plan for known large expenses (vacations, events, purchases)
- Set up sinking funds for seasonal expenses
- Choose your tracking tool and commit to using it from January 1
Pocket Clear makes this easy: set your 2027 budget categories and limits before January 1, and start tracking immediately when the new year begins.
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