Source: https://guthlabs.ai/docs/instruments/net-worth-tracker-calculator/

instrument / verified-clean

# Net Worth Tracker/Calculator

The current ledger marks this instrument verified clean within the source-bound verification corpus.

Status: **VERIFIED_CLEAN**Lifecycle: **verified-clean**

## Inspectable records

[01**Overview**Purpose and lifecycle](<https://guthlabs.ai/docs/instruments/net-worth-tracker-calculator/>)[02**Mechanism**Method and assumptions](<https://guthlabs.ai/docs/instruments/net-worth-tracker-calculator/mechanism/>)[03**Implementation**Binding and validation](<https://guthlabs.ai/docs/instruments/net-worth-tracker-calculator/implementation/>)[04**Qualification**Evidence and errata](<https://guthlabs.ai/docs/instruments/net-worth-tracker-calculator/qualification/>)

## Ledger state

The current ledger marks this instrument verified clean within the source-bound verification corpus.

**Area**: Finance, Economics & Business (educational only — never individualized investment, tax, or legal advice)

**Tranche**: tranche-5

**Evidence ID**: t5-214

**Ledger rows**: 1

No ledger note is attached.

## Review findings

The arithmetic snapshot calculation is valid for same-currency, same-unit, user-entered values. Review is required before claiming a verified trend feature because its computation and data requirements are undefined. The educational-only, non-individualized-finance disclaimer is appropriate.

### Formula and scope findings

- The snapshot formula net_worth = Σassets − Σliabilities is the standard formula and is correct.

- The claimed trend output has no defined formula, timestamps, comparison interval, or meaning (absolute change, percentage change, or plotted history), so the trend computation cannot be verified.

### Unit assumptions

- All asset and liability amounts must use the same currency and unit before summation; the spec does not identify a currency or whether values are dollars, cents, or another unit.

- Asset values should represent a stated valuation date and basis, such as current market value or user-estimated value, consistently across entries.

- The expected vectors assume USD amounts expressed in dollars, with decimal values allowed.

## Boundary hardening

**BREAK_CLAIMED** · SELF_FLAGGED

The extreme-magnitude vector overflows typical JavaScript Number arithmetic to Infinity even though the mathematical result is 2e308. The convention probe also exposes a potentially material sign-entry ambiguity that can produce 9500 or 10500 from the same displayed figures.

## Errata and corrections

No applied erratum is attached to this unique-name record.

## Inspectable example

4 review vectors are recorded. One source-bound sample is shown below.

````
{
  "inputs": {
    "assets": [
      {
        "name": "cash",
        "amount": 2500,
        "currency": "USD"
      },
      {
        "name": "investments",
        "amount": 12500,
        "currency": "USD"
      },
      {
        "name": "car",
        "amount": 8000,
        "currency": "USD"
      }
    ],
    "liabilities": [
      {
        "name": "credit card",
        "amount": 1200,
        "currency": "USD"
      },
      {
        "name": "auto loan",
        "amount": 4500,
        "currency": "USD"
      }
    ]
  },
  "expected_outputs": {
    "asset_total_usd": 23000,
    "liability_total_usd": 5700,
    "net_worth_usd": 17300
  },
  "working": "Asset total: 2,500 + 12,500 = 15,000; 15,000 + 8,000 = 23,000. Liability total: 1,200 + 4,500 = 5,700. Net worth: 23,000 − 5,700 = 17,300 USD."
}
````

## Related workflows

No source-defined multi-instrument workflow membership is recorded.

## Sources and evidence

These pointers bind the page to evidence. They do not grant authority or collapse verification into deployment.

- `VERIFIED_LEDGER.json · VERIFIED_CLEAN`

- `evidence-tranche5/tranche5-results.json`

- `BOUNDARY_HAZARD_CATALOG.json`