Net Worth:
watch it climb
One honest number — everything you own minus everything you owe — and the debts you're already paying down in Debt Payoff are mirrored in automatically, so you never type them twice.
01 What it does
- Your real net worth — assets minus liabilities.
- Mirrors in your payoff debts automatically — every debt from the Debt Payoff tracker counts here, matched by id (rename-safe), with no re-typing.
- Composition at a glance — a split-bar pinned at the top shows what you own vs what you owe.
- A climbing trend + a forward projection from your monthly saving.
02 The layout, top to bottom
One scrollable screen, stacked in this order:
- Composition split-bar — pinned at the top: Assets vs Owe, with a legend (Assets $13,000 / Owe $10,200).
- “Net worth: $2,800” headline, with a ↑ X% this month badge Premium.
- Saving $/month projection input.
- What you own & owe — your own entries.
- Debts (from Debt Payoff) — read-only here.
- Trend over time — the chart.
03 Add an asset or liability
Tap + Add asset or liability and fill:
| Field | Means | Example |
|---|---|---|
| Name | What it is | “Savings” |
| Type | Asset or Liability | Asset |
| Amount | Current value / balance | $8,000 |
| Category | Cash, investments, property… | Cash |
The type toggle is Asset / Liability — there's no “Debt” option here, because the debts you're actively paying down come from the Debt Payoff tracker on their own.
04 Two sections, not one list
What you own & owe
Your own assets and your non-payoff liabilities. Tap a row to edit it inline; tap ✕ to delete (with a confirm). Assets show + name $amount in lime; liabilities show − name $amount in red.
| Item | Value |
|---|---|
| + Savings | $8,000 |
| + Brokerage | $5,000 |
| − Owe a friend | $500 |
Debts (from Debt Payoff)
Every debt from the Debt Payoff tracker is mirrored in here automatically. These rows are read-only — each taps through to the Debt Payoff tracker to edit. Caption: “Edit these in the Debt Payoff tracker.”
| Item | Value |
|---|---|
| − Credit Card | $6,000 |
| − Store Card | $2,500 |
| − Car Loan | $1,200 |
Paying it down on a plan (credit cards, loans)? → Debt Payoff (it shows up here automatically). Just owe it with no payoff plan (mortgage, taxes, money owed to a person)? → Net Worth.
Active payoff debts live in the Debt Payoff tracker and appear here on their own — you don't (and shouldn't) re-type them here. They're mirrored in by id, not by name, so renaming a debt never breaks the link, and a manual entry you happen to name the same will not be merged — it would just count twice.
05 Do the math
| Section | Item | Value |
|---|---|---|
| What you own & owe | + Savings | $8,000 |
| What you own & owe | + Brokerage | $5,000 |
| What you own & owe | − Owe a friend | $500 |
| Debts (from Debt Payoff) | − Credit Card | $6,000 |
| Debts (from Debt Payoff) | − Store Card | $2,500 |
| Debts (from Debt Payoff) | − Car Loan | $1,200 |
| Net worth | $2,800 |
Assets $13,000 − liabilities $10,200 ($500 owed to a friend + $9,700 of payoff debt) = $2,800.
06 Watch it climb
Enter Saving $/month and the app projects where you'll be in a year. At +$500/mo that's ≈ $8,800 in a year. Update your balances monthly to keep the line moving.
07 Insights & milestones
- A plain-language insight — e.g. “Debt is 78% of your assets — you're in the green.”
- Celebrations when you cross $0, $10k, $50k, $100k.
- A monthly nudge to update your balances so the trend stays alive.
08 Free vs Premium
- Add one entry and see your number + the composition bar.
- Track all assets & liabilities, with payoff debts mirrored in from Debt Payoff.
- Net-worth trend over time + projection.
- Insights, milestones & monthly reminders.
Quick start
- Open My Money → Net Worth.
- Add your assets (savings, investments, property…) and any non-payoff liabilities.
- Your Debt Payoff debts appear in their own section automatically.
- Type a Saving $/month to see your one-year projection.
- Update balances monthly — watch the line climb.