Nethaven Blog
Practical notes on budgeting, transaction review, portfolio tracking, and building a calmer financial routine.
By Nethaven Team
September 12, 2026
8 minute read
How to calculate your savings rate from real transactions
The same fictional month reconciles to anywhere between 15.0% and 25.2% depending on the definition. Here is how to pick one and calculate it from real transactions.
By Nethaven Team
September 12, 2026
9 minute read
When a central-bank rate rise actually reaches your accounts
The ECB raised its key rates on September 10, 2026. Your own rates move on their own contractual dates. Here is how to list those dates and price the next reset.
By Nethaven Team
September 12, 2026
7 minute read
Is your raise keeping up with inflation?
US average hourly earnings rose 3.1% in the year to August 2026 while prices rose 3.4%. Run the comparison on your own pay, then decide where the difference goes.
By Nethaven Team
September 12, 2026
7 minute read
How to build a budget for reduced work hours
A layoff plan assumes income stops and an ordinary budget assumes it continues. Reduced hours need a shortfall calculation, a runway figure, and a dated review.
By Nethaven Team
September 7, 2026
7 minute read
Why your budget can rise faster than headline inflation
A higher grocery bill can reflect higher prices, more purchases, or both. A worked household basket shows how to separate them and revise your budget.
By Nethaven Team
September 7, 2026
7 minute read
How to check what your cash is actually earning
Balance growth includes your own deposits. Reconcile the statement, estimate interest under the account's terms, and check when you can access the cash.
By Nethaven Team
September 7, 2026
7 minute read
October 2026 energy price cap: build your own winter bill estimate
The price cap headline isn't your household bill. Use a worked winter calculation to connect energy use, supplier credit, and the payments in your budget.
By Nethaven Team
September 5, 2026
5 minute read
Nethaven on TRMNL: your finances at a glance
Check dividend income, see your asset mix, or keep your budget in view. Nethaven brings four focused finance screens to TRMNL, with layouts for a full display, half, or quarter.
By Nethaven Team
August 31, 2026
8 minute read
Leaving Monarch Money: What Actually Transfers
A Monarch transaction export preserves activity fields, but it does not by itself establish account closing balances. Check the export range and import preview.
By Nethaven Team
August 31, 2026
8 minute read
What to Do With Your Old Mint Export File
A saved Mint CSV can preserve categorized transaction history. Check the file, import preview, and account balances before relying on the new ledger.
By Nethaven Team
August 31, 2026
8 minute read
Leaving Copilot Money: What Actually Transfers
Check which exported transaction fields reach the preview, which records need rebuilding, and how to reconcile balances and transfers after Copilot.
By Nethaven Team
August 31, 2026
8 minute read
Leaving Rocket Money: What Actually Transfers
A cancellation tool is not a balance sheet. When the recurring charges are under control, the question becomes what the rest of the money is doing.
By Nethaven Team
August 31, 2026
4 minute read
Moving from Actual Budget to Nethaven: What Transfers
Export Actual Budget transactions, review the preview, and reconcile balances. Keep historical budgets separately and rebuild the current plan in Nethaven.
By Nethaven Team
August 31, 2026
4 minute read
Moving from Lunch Money to Nethaven: What Transfers
Export Lunch Money transactions, review the preview, and reconcile balances. Keep historical budgets separately and rebuild the current plan in Nethaven.
By Nethaven Team
August 27, 2026
8 minute read
How to Find Every Subscription You're Paying For
The subscriptions you remember are rarely the expensive ones. The damage is usually done by a trial nobody cancelled and an annual renewal that lands once a year, quietly.
By Nethaven Team
August 27, 2026
9 minute read
How to Choose a Net Worth App: The Questions That Matter
Every net worth app claims to show your net worth. The difference is what happens after the first screen: whether it remembers last month, and whether it covers what you actually own.
By Nethaven Team
August 27, 2026
8 minute read
Personal Balance Sheet Example: A Filled-In Template
Reading about a personal balance sheet is not the same as seeing one filled in. Here is a full example, row by row, with the awkward assets included rather than skipped.
By Nethaven Team
August 27, 2026
8 minute read
Net Worth Tracker for Android: What to Look For
Check current Android availability, then test the accounts, manual assets, exports, and household workflows you intend to use.
By Nethaven Team
August 19, 2026
5 minute read
Does a Pension Count in Net Worth?
A pension pot and a right to future income need different records. Choose a consistent net worth convention and keep retirement access restrictions visible.
By Nethaven Team
August 18, 2026
7 minute read
How to Build a Budget From Scratch
Most first budgets fail because they start from a template instead of your actual bank statements. Here's a method that starts from what really happened last month.
By Nethaven Team
August 18, 2026
8 minute read
Mint Alternatives for Crypto and Net Worth
Exchange balances, public wallets, and manual holdings need different tracking methods. Compare three Mint alternatives by how they bring crypto into net worth.
By Nethaven Team
August 8, 2026
8 minute read
How to Export YNAB to Nethaven Without Losing Budget History
YNAB exports CSV or TSV depending on number format. Nethaven’s ZIP import currently selects CSV files. Verify the archive and preview before importing.
By Nethaven Team
August 8, 2026
8 minute read
What Counts in Net Worth? Cars, Pensions, Deposits and IOUs
The first net worth session stalls on the same question: does this count? Here is the test that settles it, and a verdict on the fifteen items people actually ask about.
By Nethaven Team
August 8, 2026
8 minute read
What to Do With Last Month's Budget Surplus
A surplus needs a recorded decision. Nethaven can carry it forward, allocate it to savings, or keep it unassigned; recording a transfer does not move money at the bank.
By Nethaven Team
August 8, 2026
8 minute read
Personal Balance Sheet: How to Build One and Read It
A net worth number is one figure. A balance sheet is the working paper behind it, and it answers the question the total cannot: how much of this could you actually reach?
By Nethaven Team
August 8, 2026
7 minute read
Net Worth Tracking for Couples
Two people, four banks, and one number nobody can state out loud. Here's how couples build a joint net worth view that both partners actually trust.
By Nethaven Team
August 8, 2026
8 minute read
How to Value Your House and Car in Net Worth
The home you live in and the car you drive are usually the two biggest numbers on a net worth statement, and the two nobody can verify. Here's how to value them honestly.
By Nethaven Team
July 31, 2026
9 minute read
What Is Your FIRE Number? How to Calculate It
A FIRE number is a planning estimate. Start with measured spending, then test the withdrawal rate, retirement length, taxes, and income assumptions.
By Nethaven Team
July 31, 2026
9 minute read
How to Save More Money: Find the Leaks First
Most savings advice starts with tips. That is backwards. Measure four weeks of real spending first, then apply the two or three changes that match what you find.
By Nethaven Team
July 27, 2026
4 minute read
How to Log Expenses With a Siri Shortcut on iPhone
Use Nethaven’s Add Transaction action for manual expenses. Choose an account, map the inputs, and review the saved transaction for category or duplicate mistakes.
By Nethaven Team
July 21, 2026
7 minute read
What Is a Net Worth Aggregator?
Aggregation is the difference between a net worth number you maintain and one that maintains itself. Here's how it actually works.
By Nethaven Team
July 21, 2026
7 minute read
How to Track Dividend Income
Dividends are the one part of a portfolio that pays you without you doing anything, and the part most people can't state a number for.
By Nethaven Team
July 13, 2026
10 minute read
Coast FIRE Explained: How to Find Your Coast Number
You may be closer to financial independence than you think. What Coast FIRE is, how to find your coast number, and why it buys flexibility rather than idleness.
By Nethaven Team
July 13, 2026
10 minute read
The 4% Rule: How to Use It in a FIRE Plan
One number turned retirement planning into arithmetic. What Bengen's research actually found, the 25x shortcut, sequence risk, and how to pick your own rate.
By Nethaven Team
July 13, 2026
11 minute read
Passive Income and FIRE: What Actually Counts
A dividend yield is only part of total return. Use explicit income assumptions and keep rental costs, taxes, and portfolio withdrawals in the same plan.
By Nethaven Team
July 7, 2026
8 minute read
Net Worth by Age: See Where You Stand in 2026
Average net worth looks impressive at every age, until you see the median. Here is the real Federal Reserve data on net worth by age, and how to read it.
By Nethaven Team
July 6, 2026
5 minute read
How Much Do Subscriptions Really Cost?
Add up the recurring charges across your accounts and app stores. Convert billing cycles to an annual comparison, then check the services you still use.
By Nethaven Team
July 2, 2026
4 minute read
Crypto in net worth: what to include
Ownership, valuation, and access answer different questions. Record supportable crypto values, label restrictions, and avoid counting underlying tokens twice.
By Nethaven Team
June 30, 2026
6 minute read
Snowball vs avalanche debt payoff
Avalanche saves the most money; snowball is the one people actually finish. How to pick between motivation and math, and a hybrid that captures both.
By Nethaven Team
June 27, 2026
5 minute read
Use Claude or ChatGPT as a Personal Finance Assistant
You can now ask Claude 'What's my net worth?' and get a real answer from your live Nethaven data, no CSV exports, no copy-paste. One URL, OAuth sign-in, done.
By Nethaven Team
June 24, 2026
9 minute read
How to Start Managing Your Money
Personal finance for beginners, made simple. A clear, step-by-step order of operations to manage your money from zero, track, budget, clear debt, save, invest.
By Nethaven Team
June 24, 2026
11 minute read
HENRY: High Earner, Not Rich Yet
A high salary does not establish wealth. Compare what you earn, spend, own, and owe before choosing changes to your saving plan.
By Nethaven Team
June 23, 2026
12 minute read
FIRE: Financial Independence, Retire Early
Financial Independence, Retire Early comes down to two numbers: 25x your annual spending and a ~4% withdrawal rate. The FIRE rules, its types, and how to start.
By Nethaven Team
June 21, 2026
7 minute read
Freelancer finances: business vs personal
Keep business and personal separate inside one dashboard: dedicated accounts, clear categories, a tax set-aside rule, and a way to smooth lumpy freelance income.
By Nethaven Team
June 18, 2026
6 minute read
Weekly vs monthly subscription billing
A $9 weekly charge annualizes to $468 over 52 weeks, equivalent to $39 a month. Actual calendar charges can differ, so check the schedule as well as the price.
By Nethaven Team
June 13, 2026
6 minute read
Rental Property in Net Worth: Track Equity, Not Value
A rental is two entries, not one: the asset and the loan against it. Track the equity, keep rent out of net worth, and the landlord side of your balance sheet stays honest.
By Nethaven Team
June 9, 2026
6 minute read
SnapTrade vs manual brokerage tracking
Brokerage sync reduces manual updates but can lag or need repair. Manual entries cover unsupported holdings and need a dated review against the source account.
By Nethaven Team
June 4, 2026
7 minute read
Subscription tracking: what to review
A subscription list is useful, but context turns renewals into decisions. Review amount, timing, owner, category, and whether the service still earns its place.
By Nethaven Team
May 30, 2026
6 minute read
Shared budget without shared passwords
Sharing a budget should not mean sharing passwords. Invite-based access shows partners categories, goals, and spending while each login stays private and revocable.
By Nethaven Team
May 22, 2026
9 minute read
Transaction Rules: When to Automate, and Why They Fail
Rules should shrink your review queue, not hide transactions. What is safe to automate, what is not, and the four failure patterns that quietly distort a budget.
By Nethaven Team
May 20, 2026
7 minute read
Money timeline review: a monthly routine
A monthly timeline review helps you notice new transactions, balance changes, and upcoming bills without reopening every account separately.
By Nethaven Team
May 12, 2026
7 minute read
Savings goals that stay visible
A visible savings goal connects target amount, deadline, monthly contribution, and tradeoffs so the plan does not disappear between paychecks.
By Nethaven Team
May 5, 2026
7 minute read
Debt paydown check-in: a monthly routine
Debt payoff plans need a recurring checkpoint. Compare balances, interest, minimums, extra payments, and budget pressure before choosing next month.
By Nethaven Team
April 28, 2026
6 minute read
What belongs in a net worth dashboard
Cash, debt, investments, property, and manual assets all tell a different part of the same financial story.