A blueprint before a transaction
Start with the whole financial structure — assets, liabilities, equity, income, spending and retirement — so each decision can be judged by how it affects the bigger picture.
PERSONAL FINANCE BLUEPRINT
See your wealth.
Shape your freedom.
My Wealth Square is more than a net-worth calculator. It is a personal finance blueprint, monitoring and tracking system that turns your financial position into a structure you can understand, review and improve over time.
This website explains the concept. Enter financial figures and run calculations inside the Android app.
My Wealth SquareAssetsWhat you own
LiabilitiesWhat you owe
EquityWhat remains
Your wealth, in perspective · Concept illustration
Assets = Liabilities + Equity
WHY PERSONAL FINANCE NEEDS A BLUEPRINT
Knowing your numbers is not enough. You need a system that changes behaviour.
Income alone does not create wealth. Net worth grows when good financial decisions are repeated for years: saving consistently, controlling debt, directing surplus cash productively, reviewing progress and adjusting before problems become expensive. My Wealth Square gives those habits a visible structure, so personal finance becomes something you can monitor and manage instead of something you only think about when a bill, investment or retirement decision appears.
Monitoring creates discipline
Regular snapshots make progress visible. Seeing debt fall, assets grow and equity improve creates a practical feedback loop that can reinforce stronger financial habits.
Progress becomes measurable
Instead of asking whether you “feel richer”, track whether net worth, liquidity, debt ratios and retirement capacity are actually moving in the right direction.
THE GAP IN CONVENTIONAL TOOLS
Why many personal-finance tools still fail to change financial outcomes.
Many conventional tools solve only one fragment of personal finance. A budgeting app may record spending. A portfolio app may show investments. A retirement calculator may project one future number. A banking app may list balances. Useful individually, but fragmented information can leave users without a single financial blueprint connecting today’s behaviour to tomorrow’s net worth.
They record, but do not connect
Transactions and balances are often shown separately from liabilities, equity and retirement planning, so users see data without seeing the financial structure behind it.
They focus on activity, not net worth
Spending charts can be useful, but long-term financial progress is ultimately reflected in what you own, what you owe and the net value you build.
They provide a snapshot without a habit loop
A one-time calculation rarely changes behaviour. Repeated monitoring, comparison and review are what turn financial intentions into measurable habits.
They separate today from retirement
Retirement is often treated as a distant calculator exercise instead of the future consequence of current income, spending, saving, debt and asset-allocation decisions.
THE SQUARE CONCEPT
A balance sheet made personal.
Businesses use balance sheets to understand financial position. My Wealth Square adapts that idea for individuals: assets sit on one side, liabilities and equity on the other, creating one clear picture of personal wealth.
Know your position
Bring cash, investments, property, retirement funds and debts into one structured view.
Plan forward
Use income, spending, retirement contributions, returns and one-time money events to explore the future.
Track progress
Save snapshots and compare assets, liabilities, equity and retirement outlook across time.
BUILT FOR CLARITY
From net worth to retirement in one continuous view.
My Wealth Square is an educational planning tool. Calculations are driven by the figures and assumptions you choose.
Wealth Square
Visualise assets, liabilities, equity and key balance-sheet ratios.
Retirement planner
Model pre-retirement accumulation and post-retirement spending.
Money events
Represent major additions and withdrawals across your planning timeline.
Reports & progress
Create reports and keep a clearer record of changes over time.
Encrypted backup
Create a password-protected backup file that you control.
Offline calculations
Core calculations run on your device rather than on our servers.
PRIVACY-FIRST BY DESIGN
Your financial figures stay under your control.
No account is required. Financial figures entered in My Wealth Square are stored locally on your device. The app does not use advertising or analytics SDKs and does not connect to your bank or investment accounts.
Read the Privacy PolicyNo account required
Local financial data
No advertising SDK
No financial-account connection
START FREE
One app. Free first. Full Version when you need more.
Users begin with free features and may unlock Full access through the offers currently available in Google Play. Available plans, local prices and renewal terms are shown before purchase.
FREE
Understand where you stand
Build your Wealth Square, review your financial position and try the planning workflow with free-edition limits.
FULL VERSION
Go deeper with your plan
Unlock Full access through the offers available to you in Google Play.
A one-time Full Version purchase has no recurring subscription fee. It does not guarantee perpetual development, updates, future compatibility or continued third-party service availability. Applicable consumer rights remain unaffected. Terms of Use.
Build your Wealth Square in the app.
The website is for learning the concept. Download My Wealth Square from Google Play to enter figures, run calculations, save progress and create reports.