Net worth and investing

Your net worth is everything you own minus everything you owe. It's the clearest single measure of your progress.

Net worth

Add your accounts, property and debts in the Net worth tab. Your budget's savings and debts are included automatically. Update it once a month, and watch your net worth grow as you save and pay off debt. What you own and what you owe each show by category, as a pie or a bar chart, whichever you prefer.

At the top, choose Towers to see what you own and what you owe as two 3D towers side by side. Each layer is one kind of asset or debt; point at it or tap it to see what it is. A green band around what you own marks the height of what you owe, and everything above it is yours. Drag to turn them.

Each time you save your net worth, it becomes a bar in Net worth over time, so you can watch it grow. The chart starts with your first save. Until you have six, gray bars fill out the months ahead, each marked with what you could add by then. They count your savings deposits and the part of each debt payment that goes past interest, plus growth of 4% a year on your investments, home and crypto. That's a conservative rate for a mix of investments; cash, vehicles and other assets stay as they are. Save once a month and watch the gray turn green.

Switch the chart to Yearly to see the bigger picture: a bar for each year you've saved, then ten years ahead in gray at the same pace. Debt payments count until your debts would be paid off.

Investing

The Investing page shows what steady investing could grow to, with returns, yearly increases and inflation. It's wise to build your emergency fund first. Once it's full, the Emergency fund page offers to put its monthly deposit toward investing.

Already investing? Tick Use Net worth under Starting amount to start from the Investments & retirement on your Net worth. Update it there, and your plan follows.

Set a goal, and a gold mark on the Years to get there slider shows the year your plan reaches it. Slide past the mark and an On track check appears. Falling short? Get on track offers more time, or more each month.

Switch Flat to Coins to see your plan as a column of coins: navy for what you put in, green for growth, and a gold ring at your goal. Point at or tap the coins for amounts, and drag to turn them. The chart below marks the year growth takes the lead and your first round number, like $500K.

Don't worry if your net worth starts below zero. Many people's do. What matters is the direction it's heading.