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Get Started Free →Produce a personal net-worth statement — assets minus liabilities — and a way to track it. Use when asked to calculate net worth, summarize finances, or set up net-worth tracking. Produces a categorized assets/liabilities statement, the net-worth figure, liquidity and debt ratios, and a tracking cadence. Educational, not regulated financial advice.
.claude/skills/mohitagw15856-net-worth-statement/SKILL.md| Test case | Without → With | Effect | Δ tokens | Δ turns |
|---|---|---|---|---|
| case-01 | ✗→✓ | ▲ Improved | -16% | 0% |
| case-09 | ✗→✓ | ▲ Improved | 197% | 0% |
| case-12 | ✗→✓ | ▲ Improved | 17% | 0% |
| case-14 | ✗→✓ | ▲ Improved | 57% | 0% |
| case-22 | ✗→✓ | ▲ Improved | 38% | 0% |
Net worth is the single best snapshot of financial health — and tracking its trend matters more than the number. This skill turns someone's assets and debts into a clean net-worth statement, with a few useful ratios and a simple way to track it over time. Educational, not personalized financial advice.
Ask for these only if they aren't already provided:
Assets
| Asset | Type (liquid / invested / fixed) | Value | |---|---|---| | | | $ | | Total assets | | $ |
Liabilities
| Liability | Balance | Rate | |---|---|---| | | $ | % | | Total liabilities | | $ |
Quick ratios
Read — one honest paragraph: what's strong, what's the biggest risk (e.g. concentration in one asset, high-rate debt, thin liquidity).
Tracking — record net worth monthly or quarterly; what to watch is the trend line, not any single month. A simple table to copy forward:
| Date | Assets | Liabilities | Net worth | |---|---|---|---|
Personal-finance net-worth accounting (assets − liabilities, liquidity & debt ratios, trend tracking).
| Case | Status | Duration (ms) | Turns | Tokens | Tool calls | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Without | With | Δ | Without | With | Δ | Without | With | Δ | Without | With | Δ | ||
case-01 | fail→pass | 22,624 | 22,464 | -1% | 1 | 1 | 0% | 2,974 | 2,511 | -16% | 0 | 0 | — |
case-02 | fail→fail | 26,573 | 20,833 | -22% | 1 | 1 | 0% | 2,686 | 2,387 | -11% | 0 | 0 | — |
case-03 | fail→fail | 12,617 | 8,410 | -33% | 1 | 1 | 0% | 2,960 | 2,523 | -15% | 0 | 0 | — |
case-04 | pass→pass | 10,820 | 11,275 | +4% | 1 | 1 | 0% | 2,357 | 2,591 | +10% | 0 | 0 | — |
case-05 | pass→pass | 8,942 | 6,369 | -29% | 1 | 1 | 0% | 1,430 | 1,758 | +23% | 0 | 0 | — |
case-06 | pass→pass | 15,243 | 14,648 | -4% | 1 | 1 | 0% | 2,588 | 3,274 | +27% | 0 | 0 | — |
case-07 | pass→pass | 9,590 | 8,298 | -13% | 1 | 1 | 0% | 1,961 | 2,233 | +14% | 0 | 0 | — |
case-08 | pass→pass | 5,458 | 7,035 | +29% | 1 | 1 | 0% | 1,212 | 2,193 | +81% | 0 | 0 | — |
case-09 | fail→pass | 4,079 | 8,466 | +108% | 1 | 1 | 0% | 818 | 2,432 | +197% | 0 | 0 | — |
case-10 | pass→pass | 9,792 | 8,300 | -15% | 1 | 1 | 0% | 2,102 | 2,385 | +13% | 0 | 0 | — |
case-11 | pass→pass | 11,394 | 9,592 | -16% | 1 | 1 | 0% | 2,211 | 2,545 | +15% | 0 | 0 | — |
case-12 | fail→pass | 12,333 | 10,562 | -14% | 1 | 1 | 0% | 2,272 | 2,667 | +17% | 0 | 0 | — |
case-13 | pass→pass | 11,822 | 8,845 | -25% | 1 | 1 | 0% | 2,278 | 2,479 | +9% | 0 | 0 | — |
case-14 | fail→pass | 5,848 | 7,095 | +21% | 1 | 1 | 0% | 1,327 | 2,085 | +57% | 0 | 0 | — |
case-15 | pass→pass | 8,813 | 7,954 | -10% | 1 | 1 | 0% | 1,938 | 2,245 | +16% | 0 | 0 | — |
case-16 | pass→pass | 6,000 | 5,988 | -0% | 1 | 1 | 0% | 1,328 | 1,890 | +42% | 0 | 0 | — |
case-17 | fail→fail | 8,327 | 6,270 | -25% | 1 | 1 | 0% | 1,726 | 1,903 | +10% | 0 | 0 | — |
case-18 | pass→pass | 7,220 | 7,677 | +6% | 1 | 1 | 0% | 1,336 | 2,202 | +65% | 0 | 0 | — |
case-19 | pass→pass | 3,437 | 6,993 | +103% | 1 | 1 | 0% | 799 | 2,157 | +170% | 0 | 0 | — |
case-20 | pass→pass | 10,078 | 6,408 | -36% | 1 | 1 | 0% | 2,075 | 2,128 | +3% | 0 | 0 | — |
case-21 | pass→pass | 8,130 | 6,250 | -23% | 1 | 1 | 0% | 1,677 | 1,960 | +17% | 0 | 0 | — |
case-22 | fail→pass | 7,823 | 7,949 | +2% | 1 | 1 | 0% | 1,619 | 2,236 | +38% | 0 | 0 | — |
case-23 | pass→pass | 3,967 | 8,277 | +109% | 1 | 1 | 0% | 950 | 2,431 | +156% | 0 | 0 | — |
case-24 | pass→pass | 5,484 | 7,254 | +32% | 1 | 1 | 0% | 1,281 | 2,181 | +70% | 0 | 0 | — |
case-25 | pass→pass | 5,337 | 7,359 | +38% | 1 | 1 | 0% | 1,168 | 2,013 | +72% | 0 | 0 | — |
case-26 | pass→pass | 6,323 | 6,766 | +7% | 1 | 1 | 0% | 1,181 | 2,042 | +73% | 0 | 0 | — |
DecimalAI ran this skill against gemini-3.6-flash twice over the same eval suite — once with the skill loaded and once without — and compared the two runs case by case. 26 cases were attempted. The headline lift of +19 percentage points is the difference between those two pass rates over the 26 comparable cases.
Without the skill loaded, the model failed this case. With it loaded, the same prompt on the same model passed. This is one improved case from the latest verified run; every case, including any that regressed, is in the table above.
Other measured skills in the registry, with their headline benchmark lift.