Track your net worth

The Net worth report shows what you own minus what you owe today, how that changed, and the balance of each account over time. It is the one report that counts off-budget accounts.

Steps

1. Select Reports in the sidebar (on a phone, the Reports tab), then the Net worth card. The report opens on 1 year.
2. Select how much history to show: 1 year, 3 years or All.
3. To count only some accounts, select the accounts chip, choose the accounts and select Apply. See Report controls.
4. Select Assets / debts to split the chart in two. Select Combined to return to one line.
5. Move the pointer over a chart to read the balance for a month. On a touch screen, touch the chart.
6. Select an account under Accounts by change to chart only that account. See all in the ledger then appears under the list. Select the account again to clear it.

Read the page

• Headline: Net worth today is always today's total, whichever history you choose. It turns red below $0.00.
• Change line: for example "Up $13,568.68 since Oct 31, 2025" or "Down $2,000.00 since Oct 31, 2025". A change under $1.00 reads "About the same as on" and the date. The date is the day before the history you chose starts. If your first transaction is dated after that day, the date is the end of the month of your first transaction (today, if that month is this month).
• Chart: the balance at the end of each month. The last point is today, and the current month counts only transactions dated up to today. The line does not start from zero. Two dotted guide lines mark the lowest and the highest balance, and a legend under each chart names them Lowest and highest. A sentence under the legend reads "The scale runs from the lowest balance to the highest, not from zero." On Assets / debts, each chart has its own legend and scale.
• Assets and debts: an account is an asset in a month when its balance is zero or more, and a debt when it is below zero. Debts show as negative amounts. An account moves between the two charts in the month its balance crosses zero.
• Accounts by change: every counted account, largest change first, up or down. A row shows the name (with "(Off-budget)" where it applies), today's balance and the change since the date in the change line. A debt that moved toward zero reads "Paid down" with an amount. A small line shows the account's balance by month.
• Long histories: with more than 36 months of data, the chart shows one point for each calendar year, and a note reads "Grouped by calendar year because the range is longer than 36 months."

What counts

• Every open account counts, on-budget and off-budget. See On-budget and off-budget accounts.
• A closed account is dropped, including its history.
• Starting balances count.
• A Balance-only account uses your bank's figures from the first one on, and its transactions before that. See Transactions or Balance only for a bank account.
• A split transaction counts once, at its full amount.
• A transaction dated in the future appears when its month arrives.