FIRE assets (net worth)
AssetsNet worth is your total wealth minus all debts. FireLotse uses net worth exclusively for all milestone calculations and the FU ratio – because debts reduce your actual financial freedom of action. Deferred capital-gains tax is deliberately not deducted: it only becomes due when you withdraw, and the FIRE net calculator accounts for it per withdrawal.
On the dashboard this value is labeled "FIRE assets", because it represents the wealth the FIRE calculator can withdraw from. It also includes positions that are not liquid today (e.g. fixed-term deposits, Riester pension contracts) – sooner or later they become available without an active decision to sell. Real estate is deliberately excluded: it is not withdrawn but works through cash flows (rental income, running costs). Net real-estate equity is shown as a separate widget on the dashboard.