NetWorth Reality Check

NetWorth Reality Check is a mobile and web app that forces users to confront their actual financial position, not the fantasy they carry in their heads. Instead of just listing balances, it models liquidation value, taxes on withdrawals, realistic selling prices for assets, and the true cost of debt. Users connect their bank, brokerage, loan, and credit accounts, then add illiquid assets like cars, collectibles, and small businesses. The app discounts these assets based on market data and applies pessimistic but realistic assumptions, showing a conservative net worth rather than an inflated one. It also projects how long users can survive without income, how exposed they are to interest rate hikes, and what happens under basic stress scenarios (job loss, medical bill, market drop). This is not a feel-good budgeting toy; it is a financial wake-up call that highlights risk, fragility, and the gap between lifestyle and reality. The goal is to push users into making uncomfortable but necessary decisions early, before a crisis forces them to.