[EN] Asset Clarity System

Most tracking apps tell you what you spent. This tells you what to sell.

Asset Clarity System is a practical Excel workbook designed to help you understand your personal financial picture more clearly.

Instead of only tracking income and expenses, this workbook helps you see the bigger picture:

• What do you own?
• What do you owe?
• What is your current net worth?
• Which assets are growing, losing value, or costing you money?
• Which assets should you keep, review, improve, monetize, reduce cost, or sell?

This workbook was created for people who want a simple, structured way to organize their assets and make clearer financial decisions without complicated finance software.

What You Can Track

With this workbook, you can track:

• Assets
• Liabilities
• Monthly income
• Monthly expenses
• Remaining monthly balance
• Net worth
• Asset allocation
• Value change
• Appreciation
• Depreciation
• Accumulated depreciation
• Estimated book value
• Asset decision recommendations

What’s Included

Inside the workbook, you will find:

1. Start Here

A simple guide showing how to use the workbook step by step.

2. Dashboard

A one-page overview showing:

• Total assets
• Total liabilities
• Net worth
• Monthly income
• Monthly expenses
• Remaining balance
• Cash flow status
• Asset allocation
• Selected month expense breakdown
• Decision summary
• Monthly action note

3. Asset Register

A structured place to list what you own.

You can track:

• Asset name
• Asset type
• Current value
• Monthly income from asset
• Monthly cost
• Liquidity level
• Risk level
• Asset value behavior
• Purchase cost
• Purchase date
• Value change
• Value change %
• Appreciation / depreciation direction
• Useful life
• Months used
• Monthly depreciation
• Accumulated depreciation
• Estimated book value
• Notes

The workbook allows different asset behaviors, including:

• Depreciating
• Appreciating
• Stable
• Market-Based

This means it can be used for assets such as vehicles, equipment, real estate, land, gold, cash, investments, business ownership, crypto, and personal valuable items.

4. Liability Register

A place to list what you owe.

You can track:

• Debt name
• Debt type
• Total balance
• Monthly payment
• Interest rate
• Notes

5. Dynamic Monthly Budget

A flexible monthly budget sheet where you can enter income and expenses by date.

The sheet automatically summarizes the selected month and calculates:

• Total monthly income
• Total monthly expenses
• Remaining balance
• Cash flow status
• Expense category totals
• Income category totals

6. Net Worth Tracker

A simple tracker that calculates:

• Total assets
• Total liabilities
• Net worth

7. Asset Decision Matrix

A decision worksheet that helps you review assets based on value, cost, income, risk, liquidity, and usefulness.

Possible recommendations include:

• Keep / Improve
• Review / Optimize
• Monetize
• Reduce Cost
• Sell / Exit

8. Reset Guide

A simple guide for reusing the workbook and updating it for future months.