# Net Worth Statement: [Household name]

> A personal balance sheet: everything you own, everything you owe,
> and the difference between the two (your net worth) on one date.
> Use it to see where you stand, to track progress each quarter or
> year, to prepare for a meeting with a lender or a financial adviser,
> and to give family or an executor a clear picture. The structure
> follows the assets, liabilities and net worth layout used in public
> consumer-finance education, such as the US Consumer Financial
> Protection Bureau (CFPB) "Your Money, Your Goals" toolkit (public
> domain), written here in original, country-neutral wording. Replace
> every `[bracketed]` value and every row marked *Example*. This is a
> document format for organising your own information, not financial,
> investment, tax, legal or accounting advice.

<!--
Guidance: How to use this template
- Pick one statement date (for example the last day of a quarter) and
  value everything as at that date. Mixing dates is the most common
  reason a net worth figure moves for no real reason.
- Work in one currency. Convert foreign accounts at the rate on the
  statement date and note the rate in section 3.
- Fill sections 2 and 3 first (who is included and how you value
  things), then the asset and liability tables, then let the summary
  and ratios in section 6 follow from them.
- The worked example uses a fictional household, Sam and Jordan
  Ellison, with one child, amounts in USD. Delete the example rows
  once your own figures are in.
- This file holds sensitive data (balances, account names, debts).
  Keep it on your own device, protect it with a device password or
  encryption, and never write full account numbers or passwords here.
  Use the last four digits only.
- Related templates: Personal Financial Plan (`personal/financial-plan`),
  Financial Goals Plan (`personal/financial-goals`), Budget
  (`personal/budget`), Debt Payoff Plan (`personal/debt-payoff-plan`),
  Emergency Fund Plan (`personal/emergency-fund-plan`), Retirement Plan
  (`personal/retirement-plan`), Emergency Document File
  (`personal/emergency-document-file`).
-->

## Document control

<!-- Guidance: Treat each statement as a dated snapshot. Keep old versions instead of overwriting them, because the change between two statements is often more useful than any single figure. -->

| Field | Value |
|---|---|
| Document ID | [NWS-YYYY-QN] |
| Household | [Household name] (*Example:* Sam and Jordan Ellison) |
| People included | [Names] (*Example:* Sam Ellison, Jordan Ellison, dependant Riley, age 6) |
| Statement date (values as at) | YYYY-MM-DD (*Example:* 2026-09-30) |
| Reporting currency | [Currency code] (*Example:* USD) |
| Previous statement | [NWS ID and date] (*Example:* NWS-2026-Q1, 2026-03-31) |
| Version | [1.0] |
| Status | [Draft / Final] |
| Owner | [@owner] |
| Approvers/reviewers | [Household members who checked the figures] |
| Last updated | YYYY-MM-DD |
| Classification | Private: household only |
| Purpose of this statement | [Regular review / Loan application / Adviser meeting / Estate planning] |

### Approvals

| Role | Name | Decision | Date |
|---|---|---|---|
| Preparer | [@owner] | Prepared | YYYY-MM-DD |
| Household member | [Name] | [Checked and agreed / Queried] | YYYY-MM-DD |
| Adviser or lender (if shared) | [Name] | [Received] | YYYY-MM-DD |

### Revision history

| Version | Date | Author | Change summary |
|---|---|---|---|
| 0.1 | YYYY-MM-DD | [@owner] | First draft of the statement |
| 1.0 | YYYY-MM-DD | [@owner] | *Example:* Figures checked against September statements and agreed by both partners |

## Contents

1. [Purpose, scope and conventions](#1-purpose-scope-and-conventions)
2. [Household and statement details](#2-household-and-statement-details)
3. [Valuation rules](#3-valuation-rules)
4. [Assets](#4-assets)
5. [Liabilities](#5-liabilities)
6. [Net worth and key ratios](#6-net-worth-and-key-ratios)
7. [Change since the last statement](#7-change-since-the-last-statement)
8. [Ownership view](#8-ownership-view)
9. [Notes, assumptions and supporting documents](#9-notes-assumptions-and-supporting-documents)
10. [Using the statement](#10-using-the-statement)
11. [Review schedule and data security](#11-review-schedule-and-data-security)
12. [Glossary](#12-glossary)
13. [References](#13-references)
14. [Standard and licence note](#standard-and-licence-note)

## 1. Purpose, scope and conventions

<!-- Guidance: Decide what this statement is for before filling it in. A lender wants conservative values and every debt; a progress check wants the same method every time. Pitfall: changing the method between statements and then reading the difference as progress. -->

Net worth is the value of what you own (assets) minus what you owe
(liabilities). It is a snapshot on one date, not a measure of income
and not a measure of how much you can spend. A rising net worth over
several statements usually means that you are saving, paying down
debt, or that your investments are growing. A falling net worth tells
you to look at the change table in section 7 and find out why.

This statement covers [the whole household / one person]. State
clearly whether amounts held by a dependant (for example a savings
account in a child's name) are included. The worked example includes
an education savings account for the Ellisons' child because the
parents control it, and says so in section 9.

| Convention | Rule for this statement |
|---|---|
| Statement date | All balances and values as at YYYY-MM-DD |
| Currency | [Code]; foreign balances converted at the rate on the statement date |
| Rounding | Whole currency units; totals calculated from unrounded figures where possible |
| Sign convention | Assets and liabilities both entered as positive numbers; net worth is assets minus liabilities |
| Joint items | Shown in full once, in the "Joint" column of section 8, never twice |
| Excluded items | [Household contents, clothing, small personal items, expected inheritances, future salary] |
| Pension promises | [Included at statement value / Excluded and noted]; see section 3 |

## 2. Household and statement details

<!-- Guidance: Record the facts that someone reading the statement later needs in order to understand it. Keep it short. -->

| Item | Detail |
|---|---|
| Household members | [Names and relationship] (*Example:* Sam Ellison, 38; Jordan Ellison, 36; Riley, 6, dependant) |
| Country of residence | [Country] |
| Tax residence | [Country or countries] |
| Gross annual household income | [Amount] (*Example:* USD 142,000: Sam USD 82,000, Jordan USD 60,000) |
| Essential monthly spending | [Amount] (*Example:* USD 6,000, from the budget) |
| Monthly debt payments | [Amount] (*Example:* USD 2,540: mortgage 1,950, car loan 330, student loan 160, card B minimum 100; excludes card A, which is paid in full each month from the budget) |
| Sources used | [Bank, investment and loan statements, valuation notices, online estimates] |
| Prepared by | [@owner] |

The essential spending figure comes from your budget (see Budget,
`personal/budget`). It is needed for the liquidity ratio in section 6.
Essential spending means the costs you must pay even in a bad month:
housing, utilities, food, transport to work, insurance premiums,
minimum debt payments and childcare.

## 3. Valuation rules

<!-- Guidance: Write down how each kind of asset is valued, and use the same rule every time. Conservative values are better than hopeful ones, especially for a home, a car or a small business. -->

Valuation means deciding what number to put next to an asset. Some
assets have an exact value on the statement date (a bank balance).
Others need an estimate (a home or a car). Use the rules below and
note any exception in section 9.

| Asset type | Valuation rule | Example source |
|---|---|---|
| Bank and cash accounts | Balance on the statement date | Bank statement or app |
| Listed investments and funds | Market value on the statement date | Broker or fund statement |
| Retirement accounts (individual and workplace) | Account balance; note that tax may be due on withdrawal | Plan statement |
| Defined benefit or public pensions | [Exclude and describe in notes / Include at transfer value if one is quoted] | Pension statement |
| Home and other property | Estimated price a willing buyer would pay now, less nothing for selling costs unless you choose to deduct them | Recent sales of similar homes, a formal valuation, or a lender valuation |
| Vehicles | Typical used-sale value for the model, age and condition | Used-vehicle price guides or dealer quotes |
| Business interest | Book value or a recent formal valuation; never the price you hope to get | Accounts or valuation report |
| Cash value of life insurance | Surrender value stated by the insurer | Policy statement |
| Money owed to you | Amount you realistically expect to receive | Written agreement |
| Collectibles and jewellery | Only if valued by an independent appraiser and material | Appraisal |

Two common questions:

- **Should retirement accounts be reduced for future tax?** Money in
  many tax-advantaged retirement accounts is taxed when you take it
  out. This statement shows the gross balance and notes the tax point
  in section 9. If you want an after-tax figure, add a column and state
  the tax rate you assumed.
- **Should selling costs be deducted from the home value?** Selling a
  home involves agent fees, taxes and moving costs. A conservative
  statement deducts an estimate; a simple one does not. Choose one and
  keep it.

Foreign currency conversion rate used: [Currency pair and rate, date,
source].

## 4. Assets

<!-- Guidance: List every account and item above your materiality threshold (for example anything worth more than [amount]). Use the last four digits of account numbers only. Group by how quickly you could turn the asset into cash. -->

Assets are grouped from the most liquid (available within days) to the
least liquid (takes months to sell, or is locked until retirement).
Liquid means you can turn it into cash quickly without a large loss.

### 4.1 Cash and cash equivalents

| ID | Account or item | Institution | Owner | Value |
|---|---|---|---|---|
| A-CASH-001 *(Example)* | Everyday checking account (ending 4821) | [Bank] | Joint | 3,200 |
| A-CASH-002 *(Example)* | Emergency savings account (ending 1177) | [Bank] | Joint | 18,000 |
| A-CASH-003 *(Example)* | Car replacement savings (ending 1180) | [Bank] | Joint | 1,000 |
| [A-CASH-NNN] | [Account] | [Institution] | [Owner] | [Value] |
| | **Total cash and cash equivalents** | | | **22,200** |

Cash equivalents include savings accounts, money market funds and
short fixed-term deposits that can be withdrawn with little or no
penalty. A term deposit locked for several years belongs in 4.5 with a
note about the early-withdrawal penalty.

### 4.2 Investments

| ID | Account or holding | Provider | Owner | Value |
|---|---|---|---|---|
| A-INV-001 *(Example)* | General investment account, broad index funds | [Broker] | Joint | 26,500 |
| [A-INV-NNN] | [Account] | [Provider] | [Owner] | [Value] |
| | **Total investments** | | | **26,500** |

Investments outside retirement accounts can usually be sold at any
time, but their value moves with markets and selling may create tax.
Note any holding that is a large share of the total, such as shares in
your employer.

### 4.3 Retirement accounts

| ID | Account | Type | Owner | Value |
|---|---|---|---|---|
| A-RET-001 *(Example)* | Workplace retirement plan | Employer defined contribution plan | Sam | 84,300 |
| A-RET-002 *(Example)* | Workplace retirement plan | Employer defined contribution plan | Jordan | 52,700 |
| A-RET-003 *(Example)* | Individual retirement account | Individual tax-advantaged account | Jordan | 15,000 |
| [A-RET-NNN] | [Account] | [Type] | [Owner] | [Value] |
| | **Total retirement accounts** | | | **152,000** |

A defined contribution plan is an account that holds what you and your
employer paid in, plus investment growth. A defined benefit pension
promises an income instead of holding a balance in your name; record
the promised income in section 9 rather than inventing a balance.
Product names differ by country; see the local equivalents table in
section 10.5.

### 4.4 Property and vehicles

| ID | Item | Valuation basis | Owner | Value |
|---|---|---|---|---|
| A-PROP-001 *(Example)* | Family home | Average of three recent comparable sales, 2026-09 | Joint | 410,000 |
| A-PROP-002 *(Example)* | Car 1, 2023 model | Used-vehicle price guide, good condition | Sam | 14,500 |
| A-PROP-003 *(Example)* | Car 2, 2015 model | Used-vehicle price guide, fair condition | Joint | 6,000 |
| [A-PROP-NNN] | [Item] | [Basis] | [Owner] | [Value] |
| | **Total property and vehicles** | | | **430,500** |

### 4.5 Other assets

| ID | Item | Basis | Owner | Value |
|---|---|---|---|---|
| A-OTH-001 *(Example)* | Education savings account for Riley | Account statement | Joint (parents control) | 9,800 |
| [A-OTH-NNN] | [Business interest, money owed to you, insurance cash value] | [Basis] | [Owner] | [Value] |
| | **Total other assets** | | | **9,800** |

### 4.6 Asset summary

| Group | Value | Share of total assets |
|---|---|---|
| Cash and cash equivalents | 22,200 | 3.5% |
| Investments | 26,500 | 4.1% |
| Retirement accounts | 152,000 | 23.7% |
| Property and vehicles | 430,500 | 67.2% |
| Other assets | 9,800 | 1.5% |
| **Total assets** *(Example)* | **641,000** | **100.0%** |

The shares are rounded to one decimal place and add to 100.0%. In the
example, two thirds of what the Ellisons own is their home and cars,
which cannot be spent without selling them. That is normal for
homeowners and is the reason the liquidity ratio in section 6 matters.

## 5. Liabilities

<!-- Guidance: List every debt, including ones you pay in full each month, buy-now-pay-later plans, loans from family and tax you owe. Use the payoff balance on the statement date, not the original loan amount. Pitfall: leaving out the credit card you clear every month; on the statement date it is still a debt. -->

Liabilities are debts: money you must pay back. Short-term liabilities
are due within about a year or can be called at any time (credit
cards, overdrafts, bills owed). Long-term liabilities are repaid over
several years (mortgages, car loans, student loans).

### 5.1 Short-term liabilities

| ID | Debt | Lender | Owner | Interest rate (APR) | Minimum monthly payment | Balance |
|---|---|---|---|---|---|---|
| L-ST-001 *(Example)* | Credit card A, paid in full monthly | [Card issuer] | Joint | 21.0% (not charged when paid in full) | Statement balance | 2,100 |
| L-ST-002 *(Example)* | Credit card B, carried balance | [Card issuer] | Jordan | 22.9% | 100 | 3,400 |
| [L-ST-NNN] | [Debt] | [Lender] | [Owner] | [Rate] | [Payment] | [Balance] |
| | **Total short-term liabilities** | | | | | **5,500** |

### 5.2 Long-term liabilities

| ID | Debt | Lender | Owner | Interest rate | Monthly payment | Final payment date | Balance |
|---|---|---|---|---|---|---|---|
| L-LT-001 *(Example)* | Home mortgage | [Lender] | Joint | 4.1% fixed until 2029 | 1,950 | 2042-03 | 268,000 |
| L-LT-002 *(Example)* | Car loan for car 1 | [Lender] | Sam | 6.4% | 330 | 2029-05 | 9,600 |
| L-LT-003 *(Example)* | Student loan | [Lender or agency] | Jordan | 5.0% | 160 | 2034-07 | 12,400 |
| [L-LT-NNN] | [Debt] | [Lender] | [Owner] | [Rate] | [Payment] | YYYY-MM | [Balance] |
| | **Total long-term liabilities** | | | | **2,440** | | **290,000** |

Take the final payment date from the lender's statement where it is
shown. If it is not, work it out from the balance $B$, the monthly rate
$r$ (APR divided by 12) and the monthly payment $P$: the number of
payments left is

$$
n = \frac{-\ln\left(1 - \frac{rB}{P}\right)}{\ln(1 + r)}
$$

rounded up to a whole month, counted from the next payment. *Example:*
the mortgage needs 185.9 more payments, so 186 payments from 2026-10
end in 2042-03 (the last one smaller than 1,950); the car loan needs
31.7 (last payment 2029-05) and the student loan 93.8 (last payment
2034-07). The mortgage date assumes the rate stays at 4.1% after the
fixed period ends in 2029; a higher rate moves it later unless the
payment rises. If your own calculation differs from the lender's date
by more than a few months, ask the lender why: fees, payment holidays
or a different day count are the usual reasons.

### 5.3 Liability summary

| Group | Balance | Monthly payments |
|---|---|---|
| Short-term liabilities | 5,500 | 100 (minimum on card B; card A is cleared from spending) |
| Long-term liabilities | 290,000 | 2,440 |
| **Total liabilities** *(Example)* | **295,500** | **2,540** |

APR (annual percentage rate) is the yearly cost of borrowing,
including some fees, expressed as a percentage. It is the number to
compare when deciding which debt to pay off first (see Debt Payoff
Plan, `personal/debt-payoff-plan`).

## 6. Net worth and key ratios

<!-- Guidance: Calculate net worth and a small set of ratios, then write two or three sentences about what they mean for you. Ratios are signals, not grades; there is no single correct value for any household. -->

Net worth is calculated as:

$$
\text{Net worth} = \text{Total assets} - \text{Total liabilities}
$$

*Example:* 641,000 minus 295,500 equals a net worth of USD 345,500
for the Ellison household on 2026-09-30.

| Ratio | Formula | Example value | What it tells you |
|---|---|---|---|
| Debt-to-asset ratio | Total liabilities divided by total assets | 295,500 / 641,000 = 46.1% | How much of what you own is financed by borrowing |
| Liquidity (months of essential spending) | Cash and cash equivalents divided by essential monthly spending | 22,200 / 6,000 = 3.7 months | How long you could pay essentials from cash if income stopped |
| Home equity | Home value minus mortgage balance | 410,000 minus 268,000 = 142,000 | The part of the home you own outright |
| Loan-to-value (mortgage) | Mortgage balance divided by home value | 268,000 / 410,000 = 65.4% | A figure lenders use when you refinance or borrow more |
| Investment assets share | (Investments + retirement + education savings) divided by total assets | 188,300 / 641,000 = 29.4% | How much of your wealth is working for future goals |
| Net worth excluding home equity | Net worth minus home equity | 345,500 minus 142,000 = 203,500 | Wealth that does not depend on the home |
| Debt payments to income | Monthly debt payments divided by gross monthly income | 2,540 / 11,833 = 21.5% | How much of your income goes to debt each month |

The debt-to-asset ratio in formula form:

$$
\text{Debt-to-asset ratio} = \frac{\text{Total liabilities}}{\text{Total assets}}
$$

The liquidity ratio in formula form:

$$
\text{Liquidity months} = \frac{\text{Cash and cash equivalents}}{\text{Essential monthly spending}}
$$

Commentary (write your own): *Example:* "Our net worth is positive
and growing. Most of it is in the home and retirement accounts, so
cash is thin at 3.7 months of essentials. Our financial plan raises
the emergency fund to six months and clears the credit card B balance
first, because it costs 22.9% a year."

Lenders and advisers in different countries use their own versions of
these ratios and their own limits. Treat any limit you read about as
a rule of thumb, and check what the lender or your adviser actually
applies.

## 7. Change since the last statement

<!-- Guidance: Compare with the previous statement and explain every large movement. Split the change into what you did (saving, paying down debt) and what happened to you (market moves, price changes). This is where a net worth statement earns its keep. -->

| Group | Previous (YYYY-MM-DD) | Current (YYYY-MM-DD) | Change | Main reason |
|---|---|---|---|---|
| Cash and cash equivalents *(Example)* | 20,900 | 22,200 | +1,300 | Monthly saving, less a USD 1,400 car repair |
| Investments *(Example)* | 24,100 | 26,500 | +2,400 | 1,200 added, 1,200 market gain |
| Retirement accounts *(Example)* | 142,500 | 152,000 | +9,500 | 7,200 contributions (employee 4,800, employer match 2,400), 2,300 market gain |
| Property and vehicles *(Example)* | 432,000 | 430,500 | -1,500 | Car values fell; home value unchanged |
| Other assets *(Example)* | 8,200 | 9,800 | +1,600 | 1,200 contributions, 400 market gain |
| **Total assets** | **627,700** | **641,000** | **+13,300** | |
| Short-term liabilities *(Example)* | 6,900 | 5,500 | -1,400 | Card B paid down from 4,800 to 3,400 |
| Long-term liabilities *(Example)* | 298,415 | 290,000 | -8,415 | Principal repaid in six scheduled payments: mortgage 6,132, car loan 1,642, student loan 641 |
| **Total liabilities** | **305,315** | **295,500** | **-9,815** | |
| **Net worth** | **322,385** | **345,500** | **+23,115** | +7.2% over six months |

The same change, split by cause:

| Cause | Amount | Type |
|---|---|---|
| New savings and contributions (1,300 + 1,200 + 7,200 + 1,200) | +10,900 | What you did |
| Debt repaid (1,400 + 8,415) | +9,815 | What you did |
| Market gains on investments (1,200 + 2,300 + 400) | +3,900 | What happened |
| Fall in vehicle values | -1,500 | What happened |
| **Total change in net worth** *(Example)* | **+23,115** | |

Percentage change is the change divided by the previous net worth:
23,115 / 322,385 = 7.2%. Only the interest part of a loan payment is a
cost; the principal part moves money from your bank account into your
home or car, so it raises net worth even though it feels like
spending. That is why scheduled repayments of 8,415 appear here as
progress. If market gains explain most of an increase,
your progress depends on markets continuing to rise; if saving and
debt repayment explain most of it, your progress is in your control.

## 8. Ownership view

<!-- Guidance: Show who owns what. Lenders ask for it, separation or divorce processes need it, and an executor needs it after a death. Each item appears in exactly one column. -->

| Item group | Sam | Jordan | Joint | Total |
|---|---|---|---|---|
| Cash and cash equivalents | 0 | 0 | 22,200 | 22,200 |
| Investments | 0 | 0 | 26,500 | 26,500 |
| Retirement accounts | 84,300 | 67,700 | 0 | 152,000 |
| Property and vehicles | 14,500 | 0 | 416,000 | 430,500 |
| Other assets | 0 | 0 | 9,800 | 9,800 |
| **Total assets** | **98,800** | **67,700** | **474,500** | **641,000** |
| Short-term liabilities | 0 | 3,400 | 2,100 | 5,500 |
| Long-term liabilities | 9,600 | 12,400 | 268,000 | 290,000 |
| **Total liabilities** | **9,600** | **15,800** | **270,100** | **295,500** |
| **Net worth** *(Example)* | **89,200** | **51,900** | **204,400** | **345,500** |

Retirement accounts are almost always held in one person's name, even
for a married couple. Beneficiary nominations on those accounts often
decide who receives them on death, regardless of a will, depending on
local law. Record where the nominations are kept in the Emergency
Document File (`personal/emergency-document-file`).

## 9. Notes, assumptions and supporting documents

<!-- Guidance: Anything a reader would need to reproduce your figures belongs here: estimates, exclusions, tax points, documents used. Keep the supporting documents in a safe folder and list them by name, not by contents. -->

| Note ID | Note |
|---|---|
| N-001 *(Example)* | Home value estimated from three sales of similar homes on the same street between 2026-06 and 2026-09; no selling costs deducted |
| N-002 *(Example)* | Retirement balances are before tax; withdrawals will be taxed under local rules |
| N-003 *(Example)* | Jordan's earlier employer promises a small defined benefit pension from age 65 of about [amount] a year; not included as an asset |
| N-004 *(Example)* | The education account belongs legally to [the child / the parents] under local rules; included because the parents control it |
| N-005 *(Example)* | Household contents and personal items are excluded |
| N-006 *(Example)* | Credit card A is cleared in full each month, so it carries no interest cost, but its balance on the statement date is still shown |
| [N-NNN] | [Note] |

Supporting documents used:

| Document | Date | Where stored |
|---|---|---|
| Bank and savings statements | YYYY-MM-DD | [Folder or location] |
| Investment and retirement account statements | YYYY-MM-DD | [Location] |
| Mortgage, car loan and student loan statements | YYYY-MM-DD | [Location] |
| Credit card statements | YYYY-MM-DD | [Location] |
| Home value evidence | YYYY-MM-DD | [Location] |
| Vehicle value evidence | YYYY-MM-DD | [Location] |

## 10. Using the statement

<!-- Guidance: The same figures serve several purposes, but each reader wants something slightly different. Check what the recipient asks for before sending, and send only what is needed. -->

### 10.1 Regular progress check

Update the statement on the same date each quarter or year, fill
section 7, and carry the results into your Personal Financial Plan
(`personal/financial-plan`) and your Financial Goals Plan
(`personal/financial-goals`). Over several years the trend matters far
more than any single figure.

### 10.2 Loan or mortgage application

Lenders usually ask for a statement of assets and liabilities on their
own form, plus evidence. Use this document to fill their form
accurately. Do not overstate values: a deliberately false statement to
a lender can be an offence in many countries. Lenders often care most
about the debt payments to income ratio and the loan-to-value ratio.

### 10.3 Meeting a financial adviser

Advisers collect the same facts during their fact-finding stage. A
completed statement shortens the meeting and reduces errors. Ask the
adviser how they will store your data.

### 10.4 Separation, divorce or death

Courts, mediators and executors need values on a specific date, with
evidence and an ownership split. Section 8 and the supporting
documents list in section 9 are the starting point; professional legal
advice is needed for the process itself.

### 10.5 Local equivalents

Account names differ by country. The table lists common names for the
kinds of accounts in section 4, as of 2026-10. Names only, not
exhaustive, not advice; check local rules and your provider's
documents for what each account allows.

| Concept | United States | United Kingdom | Canada | Australia | Germany | Japan | India |
|---|---|---|---|---|---|---|---|
| Public pension | Social Security | State Pension | CPP or QPP, and OAS | Age Pension | Gesetzliche Rentenversicherung | National Pension (Kokumin Nenkin), Employees' Pension Insurance (Kosei Nenkin) | EPS (EPFO, formal-sector employees); Atal Pension Yojana (voluntary) |
| Workplace retirement plan | 401(k), 403(b) | Workplace pension | Registered pension plan (RPP), group RRSP, PRPP | Superannuation | Betriebliche Altersversorgung (bAV) | Corporate defined contribution (DC) pension | EPF |
| Individual retirement account | Traditional IRA, Roth IRA | SIPP, Lifetime ISA | RRSP | Voluntary super contributions | Riester, Rürup | iDeCo | NPS, PPF |
| Tax-advantaged savings or investment | Health Savings Account (HSA) | Cash ISA, Stocks and shares ISA | TFSA, FHSA | [Check local rules] | [Check local rules] | NISA | ELSS, PPF |
| Education savings | 529 plan | Junior ISA | RESP | [Check local rules] | [Check local rules] | [Check local rules] | Sukanya Samriddhi Yojana (for daughters) |

Further countries, same rules (names only, as of 2026-10, check local
rules):

| Country | Public or mandatory pension | Workplace or occupational plan | Individual retirement or tax-advantaged account |
|---|---|---|---|
| Singapore | Central Provident Fund (CPF), with CPF LIFE payouts | CPF (employer and employee contributions) | Supplementary Retirement Scheme (SRS) |
| South Korea | National Pension | Retirement pension (DB or DC type) | Individual Retirement Pension (IRP), pension savings account, ISA |
| China | Basic pension insurance | Enterprise annuity | Individual pension account |
| Vietnam | Social insurance pension (BHXH) | Voluntary supplementary pension | Voluntary pension insurance |
| Indonesia | BPJS Ketenagakerjaan (old-age and pension programmes) | Employer pension fund (DPPK) | Financial institution pension fund (DPLK) |
| Spain | Seguridad Social retirement pension | Plan de pensiones de empleo | Plan de pensiones individual |

For a CPF member, the CPF account balances are an asset in section 4.3
(they are held in the member's name, like a workplace plan); record any
part already used for a home in the notes, because rules on repaying it
into the account when the home is sold can apply.

## 11. Review schedule and data security

<!-- Guidance: Decide when the next statement is due and put it in your calendar. Then decide where this file lives and who can open it. -->

| Item | Rule |
|---|---|
| Next statement date | YYYY-MM-DD (*Example:* 2027-03-31) |
| Frequency | [Quarterly / Half-yearly / Yearly] |
| Extra update triggers | Home purchase or sale, new loan, inheritance, job change, separation, death in the household |
| Storage location | [Device and folder]; encrypted backup at [location] |
| Who can open it | [Household members]; shared with [adviser or lender] only for [purpose] |
| What is never written here | Full account numbers, passwords, PINs, security answers, one-time codes |
| Retention of old statements | Keep at least [number] years for trend analysis |

This editor stores documents in your browser on your own device. If
you export the statement to share it, send it through a channel you
trust and delete copies you no longer need.

## 12. Glossary

<!-- Guidance: Keep the definitions short and in plain language, so a family member can read the statement without help. -->

| Term | Meaning |
|---|---|
| Asset | Something you own that has money value |
| Liability | Money you owe to someone else |
| Net worth | Total assets minus total liabilities on one date |
| Liquid asset | An asset you can turn into cash quickly without a large loss |
| Cash equivalent | A short-term, low-risk holding that is almost as good as cash, such as a savings account |
| Equity (home) | Home value minus the mortgage still owed on it |
| APR | Annual percentage rate: the yearly cost of a loan, including some fees |
| Defined contribution plan | A retirement account whose value is what was paid in plus investment growth |
| Defined benefit pension | A pension that promises a set income, based on salary and years of service, instead of an account balance |
| Loan-to-value | Loan balance divided by the value of the property it is secured on |
| Beneficiary nomination | An instruction to a pension or insurance provider about who receives the money on your death |
| Materiality threshold | The smallest amount worth listing separately |

## 13. References

<!-- Guidance: Add the sources you used for values (valuation websites, lender guides) so the next update follows the same path. -->

| Source | Version or date | Use in this template |
|---|---|---|
| Consumer Financial Protection Bureau, "Your Money, Your Goals: A financial empowerment toolkit", consumerfinance.gov | Toolkit page, English version updated 2020-06; checked 2026-10-25 | General idea of listing what you own and owe; no text reused |
| Consumer Financial Protection Bureau, website privacy policy (public domain statement), consumerfinance.gov | Checked 2026-10-25 | Confirms CFPB material is public domain |
| G20/OECD INFE Core Competencies Framework on Financial Literacy for Adults | 2016 | Competence area names only (planning and managing finances) |
| HM Government, "Individual Savings Accounts (ISAs)", gov.uk | Checked 2026-10-25 | Names of UK ISA types in the local equivalents table |
| Canada Revenue Agency, "Tax-free Savings Account (TFSA)", canada.ca | Page dated 2025-10-27 | Name of the Canadian account |
| Internal Revenue Service, retirement plans pages, irs.gov | Checked 2026-10-25 | Names of US plan types |
| [Valuation source used] | YYYY-MM-DD | [Home or vehicle value] |

## Standard and licence note

Based on the assets, liabilities and net worth layout taught in public
consumer-finance education, including the US Consumer Financial
Protection Bureau "Your Money, Your Goals" toolkit, which is a US
federal work in the public domain, and with competence area names from
the G20/OECD INFE Core Competencies Framework on Financial Literacy for
Adults (2016), cited by name only. This adaptation does not represent
the official views of the OECD or its Member countries. The text,
structure, ratios and worked example are original; the Ellison
household is fictional. Account names in the local equivalents table
are given as of 2026-10 for identification only; check current local
rules and official sources before relying on them. This is a document
format, not financial, investment, tax, legal or accounting advice.
Template licence: MIT.