Abstract: A system, method and software tool to measure and manage financial status. The tool produces a spreadsheet that summarizes the position of an individual or small business user by integrating net worth data with cash flow data and tracking against financial goals. These data are retrieved by linking with popular financial, tax preparation and budgeting software and the user's financial data stored on secure websites. The tool provides government statistics matched to the user to present a comprehensive financial position, comparing the user's position with similar households. The method integrates analysis of assets and liabilities with cash flow and assists the user in setting goals to achieve financial independence. The system supplies the user with written material explaining concepts of integrating net worth and cash flow, the software tool and access to a social networking website for exchange of ideas relating to wealth and cash flow measurement and management.