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Personal Financial Statement for a Financial Independence Portfolio (Free – No Email Required)

This tool helps you build a personal financial statement that focuses on your Financial Independence portfolio (assets that can fund spending) rather than “total net worth” (which often includes lifestyle assets that don’t generate retirement income).

How to use

  1. Enter investable assets: brokerage, retirement, HSA, cash/treasuries, and other accounts that can support spending.
  2. Track lifestyle assets separately: home equity, vehicles, and collectibles—only include them in FIRE planning if you’ll monetize them.
  3. Use the FIRE Portfolio total: plug it into your FI number and withdrawal rate planning.

In this resource:

  • Capture investable and income-producing assets in a clean structure
  • Optionally track lifestyle assets separately (home, cars, collectibles)
  • Produce a Financial Independence Portfolio-focused total you can use in FI number and withdrawal planning
Open the tool
How to use

Why use this

FI-focused clarity

Separates investable assets from lifestyle net worth so your planning starts from a clean number.

Better decision-making

Supports FI number and withdrawal planning without “blending” assets that won’t fund spending.

Shareable statement

Creates a clear snapshot you can review with a partner, CPA, or planner.