Financial Services & InsuranceComing soon: built and tested

Net Worth Statement

Personal balance sheet workbench for wealth, banking and lending

Licence price

S$15

One-time licence
Emailed to you after payment

Assets and liabilities by configurable category (liquidity class / short-long term) with subtotals
Collapsible groups and allocation bars
Add/edit/delete in an accessible modal or phone bottom sheet with validation
Per-person ownership shares (sole/joint/any split, split equally) and Household/owner views showing each share
Liabilities secured against assets with equity and LTV
Stale valuation flags
KPIs (net worth with change since previous snapshot, assets, liabilities, liquid)
Trend chart from historyJson + recorded snapshots + current with 1Y/3Y/All and hover/keyboard tooltips
Five ratio cards (debt-to-asset, liquidity, emergency fund months, DTI, solvency) with configurable Healthy/Watch/Review bands, record snapshot, search, sort, CSV export
Validation banner with jump-to-fix, viewMode full/statement/summary, read-only, disabled, empty
Loading and invalid-JSON states
18 outputs plus niray-networthstatementchange event and syncSelector