Net Worth

The Net Worth page gives you a complete financial picture — not just your budget accounts, but every asset and liability you own. Manually tracked assets (home, vehicles, investment accounts) sit alongside your live transaction accounts in one unified balance sheet.

Navigate to the Net Worth summary card at the bottom of the left sidebar, or click anywhere on it.

Dashboard Layout

The page uses a two-column layout at wider viewports:

• Left column — historical chart and full balance sheet
• Right panel — summary card, asset allocation donut, and milestones

At the top, a hero card shows your current net worth prominently, along with month-over-month and year-over-year change indicators.

Investment holdings have their own dedicated page — see Investment Tracking.

Balance Sheet

The balance sheet merges two sources of data:

Accounts are grouped by asset class:

Assets

• Cash & Banking
• Investments
• Real Estate
• Vehicles
• Other Assets

Liabilities

• Credit Cards
• Loans

Each group is collapsible. The footer row always shows your total net worth.

Tracking Accounts

Tracking accounts are for assets and liabilities that don't connect to a bank — your home value, a 401k, a car, or a personal loan.

Adding a tracking account

1. Click + Add Account in the top-right of the Net Worth page
2. Choose a name (e.g. "Primary Home", "Fidelity 401k", "Tesla Model 3")
3. Select the account class (determines which group it appears in)
4. Enter the current value — for liabilities (loans, mortgages), enter the balance as a positive number; the app stores it as negative automatically
5. Add optional notes

Updating a value

Tracking account values don't sync automatically — you update them manually whenever you want a fresh snapshot (monthly is typical for most assets).

1. Hover a tracking account row in the balance sheet — a pencil icon appears
2. Click it to open the Update Value dialog
3. Enter the new value, the date of the update, and an optional note (e.g. "Zillow estimate", "statement date")
4. Recent history for that account is shown in the dialog for reference

Each update creates a history entry. The chart and balance sheet always use the most recent value on or before each month's end (forward-fill).

Account classes

Credit card balances come from your budget accounts automatically and appear under Credit Cards.

Vehicle Depreciation

For vehicle tracking accounts, Budget estimates the current market value automatically using a compound depreciation schedule — no manual price lookups required.

When you add or edit a vehicle tracking account, you can enter:

• Purchase price — what you originally paid
• Purchase date — when you bought it

Budget then applies an industry-standard depreciation curve:

The estimated value is shown alongside any manually entered value in the balance sheet. You can still override it with a manual update at any time (e.g., after getting an actual appraisal or checking a third-party service).

Investment Holdings

For investment tracking accounts (Brokerage, 401k, IRA, HSA), Budget lets you track individual holdings with cost basis and current price.

See Investment Tracking for full documentation on adding holdings, tracking gain/loss, and allocation.

Historical Chart

The chart shows net worth over time with three data series:

• Net worth (blue, filled area) — the primary line
• Total assets (green, dashed) — all assets combined
• Total liabilities (red, dashed) — all liabilities as a positive magnitude

Time ranges — use the selector in the chart header to zoom in:

Tracking account values are forward-filled — if you updated your home value in March and didn't update again until June, the chart shows that March value through May.

Asset Allocation

The allocation donut shows how your assets are distributed across classes. Only asset groups are shown (liabilities are excluded — they aren't "allocation").

Hover a segment to see the dollar amount. The legend shows each class with its percentage and value.

This view helps answer questions like:

• Am I too concentrated in real estate?
• What percentage of my net worth is liquid?
• How much is in retirement accounts vs brokerage?

Summary Card

The right panel Summary card gives a fast three-number breakdown:

Milestones

Milestones let you set named net worth targets and track your progress toward them.

Adding a milestone

Click + Add in the Milestones card header. Enter:

• A name (e.g. "First $100K", "Debt-Free", "Half-Million")
• A target net worth amount

Tracking progress

Each milestone shows:

• A progress bar filled to the current percentage
• The current net worth vs the target
• How much remains to reach the goal

Reached milestones

When your net worth crosses a milestone's target, it's automatically marked as reached with the date. Reached milestones stay visible as a record of your progress. The progress bar turns green.

Editing and deleting

Hover a milestone row to reveal the ⋯ menu — use it to edit the name/target or delete the milestone.

Sidebar Summary Card

The Net Worth card at the bottom of the left sidebar shows your current combined net worth (budget accounts + tracking accounts) at a glance. It's clickable and always links to the Net Worth page.

The value turns red if net worth is negative.

How Net Worth is Calculated

Net Worth = (sum of all transaction account balances)
          + (sum of all tracking account current values)

• Budget account balances are computed from cleared and reconciled transactions
• Tracking account values use the most recently entered value
• Investment account values use the sum of current holding values (shares × current price)
• Liabilities (credit cards, loans) are stored as negative numbers, so the arithmetic is just addition throughout