Net worth should include major assets, liabilities, and supporting cash-flow context so you can see both balance-sheet strength and monthly pressure.

Emergency fund months show how long your liquid assets can support essential monthly expenses if income is disrupted.

Asset allocation shows whether your capital is concentrated in one bucket or spread across equities, debt, cash, property, and other exposures.

Yes. Guests can keep a local draft on the same device, and signing in is only needed when you want syncing, imports, or saved history.