Banks can't see everything you own or owe. Add the rest yourself on Net worth, and it counts like any account.
Add an asset or a debt
Open the Add menu
On Net worth, choose Add (the round + on a phone), then An asset or A debt. The + beside What you own or What you owe works too.
Pick what it is
Choose a kind from the list. The table below shows what each one asks.
Answer its questions
Each kind asks only what it needs. Loans and mortgages show what you've paid down as you type.
Save
Choose Add. It appears in your lists and your net worth straight away.
Kind | What it asks |
|---|---|
Real estate | Purchase date, purchase price (optional), current value, and whether there's a mortgage on it. |
Vehicle | Purchase date, purchase price (optional), current value, and whether there's a loan on it. |
Cash | The amount, and since when (optional). |
Investments | Connect the account, or enter it by hand with a name and today's value. |
Crypto | Purchase date and current value. |
Gold & silver, Jewellery, Other asset | Current value. |
Mortgage, Auto loan | Added together with the home or vehicle they finance. |
Personal loan, Student loan | Start date, original loan amount, current balance, and APR (optional). |
Credit card | Connect the card through your bank, or enter what you owe. |
Other debt | Balance owed. |
A home or car with a loan
Answer Yes to Is there a mortgage on it? or Is there a loan on it? and both are saved together: the home or vehicle under Property & vehicles, and its loan under Loans & mortgages. Editing either one opens the same form, and removing one removes both.
For a vehicle loan, enter the loan start date, the original loan amount, the current loan balance and the vehicle's estimated value.
For a mortgage, answer Has the mortgage renewed since it started? If it has, enter the date of the last renewal, the balance owing then (it's on your renewal statement), the amortization left at that renewal in years, and the current interest rate. If not, enter the mortgage amount, the amortization and the rate. You'll see the monthly payment and the principal paid so far, and the balance keeps coming down month by month.
How values move over time
- Before its purchase or start date, an item counts as nothing.
- With a purchase price, an asset's line moves from what you paid to today's value. Without one, it holds today's value.
- A loan with an original amount and a start date comes down evenly to today's balance, and shows roughly when it will be paid off.
- Nothing is projected past today.
When a value changes, tap the item, change the figure and choose Save changes. Its line on the chart is redrawn from what you enter.
Edit or remove
Tap anything you added to edit it, or use its ⋯ menu for Edit and Remove. Your net worth history is recalculated without it.