Personal Balance Sheet
List your assets and debts, short term and long term, to produce a proper personal balance sheet you can print or save as a PDF.
Short-term assets
Long-term assets
Business value, crypto, collectibles, anything else you own.
Short-term debts
Long-term debts
Line of credit, money owed to family, anything else.
Cash and savings compared with debts due soon. Above 1× is healthy.
Enter amounts to see this chart.
Enter amounts to see this chart.
| Item | Value |
|---|---|
| Chequing | $0 |
| Savings & emergency fund | $0 |
| Short-term assets | $0 |
| TFSA | $0 |
| RRSP / FHSA / pension | $0 |
| Non-registered investments | $0 |
| Home & property | $0 |
| Vehicles & valuables | $0 |
| Other assets | $0 |
| Long-term assets | $0 |
| TOTAL ASSETS | $0 |
| Item | Balance |
|---|---|
| Credit cards | $0 |
| Bills & taxes owing | $0 |
| Short-term debts | $0 |
| Mortgage | $0 |
| Student loans | $0 |
| Car & personal loans | $0 |
| Other debts | $0 |
| Long-term debts | $0 |
| TOTAL LIABILITIES | $0 |
| NET WORTH | $0 |
What this means
Assets of $0 minus liabilities of $0 gives a net worth of $0. Print this, date it, and redo it every few months to see the trend.
How it works
A balance sheet is a snapshot on one date: assets on one side, liabilities on the other, net worth as the difference. Splitting short-term from long-term shows whether you could cover near-term bills without selling investments.
Nothing you type here is saved or sent anywhere — it stays in your browser.
How a balance sheet is structured
Assets on one side, liabilities on the other, equity — your net worth — as the difference. Splitting each side into short term (within a year) and long term shows not just what you are worth but how quickly you could access it.
Liquidity matters as much as totals
Two people with identical net worth are in very different positions if one holds cash and the other holds only home equity. The short-term rows are the ones that get you through a bad month.
When you will need this
Mortgage and loan applications, and any serious financial review, ask for exactly this statement. Keeping one current makes those conversations short.
Common questions
- What value should I use for my home or car?
- A realistic current market value — what it would sell for now, not what you paid.
- Is anything I enter stored?
- No. It stays in your browser, and the print or PDF copy is yours alone.
Related WealthTree tools
Learn the ideas behind this tool
Short Canadian lessons from the free Financial Survival path.
Understand the numbers, not just the answer
WealthTree teaches Canadian money basics in 5-minute lessons — TFSAs, RRSPs, FHSAs, credit and investing. The first path is free.