Net worth tracker

Questions people actually ask

How do I calculate my net worth?

Everything you own minus everything you owe. Assets: cash, investments, retirement accounts, your home at market value, vehicles. Liabilities: the mortgage balance, student loans, car loans, card balances. The tracker does the subtraction and shows both sides — a $500,000 house with a $400,000 mortgage contributes $100,000, which is why listing only assets flatters everyone.

Why track it over time instead of calculating it once?

Because the number is nearly meaningless alone and very meaningful as a slope. Month to month, net worth moves with saving, debt paydown and markets — the trend tells you whether your finances are actually improving, which a single calculation cannot. Each snapshot copies the last one forward, so the monthly update is editing what changed, not retyping everything.

Why no bank account linking?

Linking is how every net worth app pays for itself — your aggregated balances become their product. This tool takes the other trade: you type the balances yourself once a month, and in exchange nothing about your finances ever leaves your browser unless you sign in to sync it to your own account. Ten accounts take about three minutes. The apps that died — Mint most famously — took years of linked history with them.

Should I count my house and car?

The standard answer is yes at realistic market value, with the loans against them as liabilities — that is what net worth means. Some people track a second, stricter number without home equity to see liquid progress. The tracker supports both: real estate and vehicles are their own categories, so reading the total with and without them is one glance.

How often should I update it?

Monthly is the sweet spot — frequent enough to see the effect of decisions, rare enough that markets rather than noise drive the change. Quarterly works too. The tool timestamps every snapshot and shows the change since the last one, so whatever rhythm you keep, the trend stays honest.

Is my financial data private?

It never leaves your browser unless you sign in, in which case it syncs to your own account row and is deletable any time from My profile. There is no bank connection, no aggregator, no analytics on your balances — the architecture cannot leak what it never receives. The CSV export is generated locally too.