{
  "schema_version": 1,
  "checked_on": "2026-10-21",
  "publisher": "PopaDex",
  "relationship": "PopaDex publishes this comparison and operates one of the two public calculators.",
  "scope": "Observed single-currency arithmetic in two public website calculators, not the authenticated tracker apps.",
  "fixture": {
    "name": "Fictional USD-only calculator check",
    "currency": "USD",
    "customer_data": false,
    "cash": 10000,
    "taxable_investments": 18000,
    "retirement_assets": 34500,
    "property": 300000,
    "mortgage_outstanding_positive_input": 180000,
    "expected_assets": 362500,
    "expected_net_worth": 182500,
    "second_check": {
      "taxable_investments": 19000,
      "all_other_inputs_unchanged": true,
      "expected_assets": 363500,
      "expected_net_worth": 183500,
      "expected_change": 1000,
      "cause": "A deliberately edited investment input, not an exchange-rate movement or an investment return."
    },
    "boundary": "These USD amounts are a separate arithmetic fixture. They are not the GBP/EUR monthly-review household or a test of native-currency records."
  },
  "observations": [
    {
      "product": "Kubera",
      "surface": "Six-field calculator on the public net-worth tracker marketing page",
      "url": "https://www.kubera.com/net-worth-tracker#calculator",
      "status": "observed",
      "input_mapping": "Taxable investments and retirement assets were combined as 52500, then 53500, in the calculator's combined investment/retirement field. Other unused fields were zero.",
      "initial_displayed": {"currency": "USD", "assets": 362500, "debts": 180000, "net_worth": 182500, "investable": 62500},
      "second_displayed": {"currency": "USD", "assets": 363500, "debts": 180000, "net_worth": 183500, "investable": 63500},
      "limitation": "The public form combines retirement and other investments. Its investable result does not establish when this fictional pension can be accessed. No conclusion about the authenticated app's classification is drawn."
    },
    {
      "product": "PopaDex",
      "surface": "Public personal net-worth calculator with USD selected",
      "url": "https://popadex.com/personal-net-worth-calculator/#net-worth-calculator",
      "status": "observed",
      "input_mapping": "Cash, investments, retirement, property and mortgage were entered in separate fields. Other unused fields were zero.",
      "initial_displayed": {"currency": "USD", "assets": 362500, "debts": 180000, "net_worth": 182500, "investable": null},
      "second_displayed": {"currency": "USD", "assets": 363500, "debts": 180000, "net_worth": 183500, "investable": null},
      "limitation": "This calculator does not calculate an investable balance, fetch FX rates, save history or transfer these inputs into a PopaDex account."
    }
  ],
  "not_tested": [
    "Authenticated tracker setup or persistent account records",
    "Bank connections, refresh reliability or institution coverage",
    "Native-currency conversion or FX attribution",
    "Saved history, exports or re-import",
    "Pension access, withdrawal rules or retirement readiness",
    "Security architecture, stored data or encryption",
    "Paid plans, billing or customer conversion"
  ],
  "method": "An operator entered fictional values through the visible public interfaces and read their displayed outputs. No account was created, no customer data was used and no payment was made. Screenshots of both checks were retained in the dated research record."
}