Track net worth

A complete net worth view includes cash, investments, crypto, property, vehicles, manual assets, and every liability attached to them. Missing a debt or using an old property value can make the total misleading even when connected account balances are current, so the goal is to be exhaustive on both sides of the equation.

The most useful way to track net worth is to update from current balances rather than from old purchase prices or contribution totals. Connected bank, credit, and brokerage accounts refresh their balances automatically, so the cash and investment side of the picture stays current without manual entry. Assets that cannot be connected — a paid-off car, a home, a private investment, a collectible — are added once and updated only when their value actually changes, with a note about the method you used.

Liabilities matter as much as assets. Mortgages, auto loans, student loans, personal loans, credit card balances, and any other debt attached to a connected account flow in automatically. Track any remaining manual debts the same way you track manual assets, and pair them so each liability is attached to the asset it financed where appropriate (a mortgage to a home, an auto loan to a vehicle).

Review the trend monthly. A change may come from spending, saving, market movement, debt payoff, a contribution to a savings goal, or a manual value update on property. Nethaven keeps net worth near budgets, transaction review, debt payoff, and savings goals so the number has context — when the total moves, you can see why without opening five separate apps.