How does Expense Atlas calculate net worth?
On the web, Net Worth reports assets minus liabilities for the linked and manual accounts you include. Excluded accounts stay out of the total until you change inclusion.
Net Worth tracking on the web
See assets, debts, and history in one net worth view
Expense Atlas Net Worth on the web brings linked and manual accounts into one balance-sheet view so you can review what you own, what you owe, and how the picture changes over time, with clear flags when a balance needs attention.
How a clearer balance sheet comes together on the web
Net Worth is a reporting and history view, not a trading tool or real-time bank feed. You choose what to include, refresh linked balances when available, and review debt details on Liabilities so the picture stays useful.
- 1
Bring accounts into one sheet
Linked accounts and manual assets or liabilities can appear together. Net worth is assets minus liabilities for the accounts you include, so cash, investments, loans, and cards can sit in one reviewable picture.
- 2
Spot stale or unknown balances
When a balance is stale, unknown, or incomplete, Expense Atlas can surface that status instead of hiding the gap. Review those flags before treating a total as current.
- 3
Refresh linked balances when available
Linked balances are not guaranteed to update in real time. Request a refresh when you need a newer snapshot, then review the date and result before relying on it.
- 4
Override, include, or merge with control
Manual overrides, inclusion toggles, and merge controls help you correct a linked balance, keep an account out of the total, or clean up duplicates without inventing a second ledger.
- 5
Edit debt terms on Liabilities
Liabilities is where you review balances, rates, minimum payments, and other debt details. Net Worth shows how included debts affect the overall picture.
- 6
Read history with estimate awareness
History helps you see direction over time. When a fresh balance is missing, a point may be estimated or reuse the latest available value. Treat the chart as a trend to review, not a guaranteed audit trail.
Synthetic demo data
A synthetic month-end net worth review
This demo shows how included accounts, a stale flag, and a history point can shape the web Net Worth picture.
Included assets
Checking, brokerage, and a manual vehicle estimate.
$84,200
Included liabilities
Mortgage balance plus a confirmed credit-card balance.
$41,650
Reported net worth
Assets minus liabilities for included accounts only.
$42,550
Stale flag
Cached balance has not refreshed recently; review before major decisions.
Brokerage · 9 days
History point
One point reused the prior balance because a fresh observation was unavailable.
Prior month · latest available value
The household sees a clear $42,550 sheet with an explicit stale brokerage flag and an estimated history point, enough information to refresh or update before planning the next move.
CSS illustration with synthetic demo data. This is not a product interface or screenshot.
What web Net Worth does not promise
- Net Worth on the web reports included balances and history. It does not guarantee market values, loan payoff outcomes, or that every institution will refresh on demand.
- Stale, unknown, or estimated balances can change totals and trends. Review dates and status messages before treating a number as current.
- Expense Atlas uses mathematical optimization to recommend a balanced monthly allocation across debt, emergency savings, goals, retirement, liquidity, and spending stability. It does not solely maximize or guarantee net-worth growth.
Frequently asked questions
Clear answers about how this feature works and what to review before relying on it.
Can I mix linked and manual accounts?
Yes. Linked accounts and manual assets or liabilities can appear in the same balance-sheet view, with controls to override balances, include or exclude accounts, and merge duplicates when needed.
What do stale or unknown flags mean?
They signal that a balance may be outdated, missing, or incomplete. Expense Atlas surfaces those states so you can refresh, override, or review before relying on the total.
Is balance refresh real time?
No. Linked balances are not guaranteed to update in real time. Review the balance date and any status message after requesting a refresh.
Where do I edit loan or card terms?
Use Liabilities to review rates, minimum payments, and other debt details. Net Worth shows how included liabilities affect the overall picture.
Are history points always exact observations?
Not always. When a fresh balance is unavailable, history can include an estimate or reuse the latest available value. Treat trends as context to review, not a guaranteed record.
Related feature guides
Debt Payoff planner
Compare avalanche, snowball, and custom strategies on the web once liability terms are ready.
Expense categorization
Review how activity is organized before it informs budget and balance-sheet context.
Personalized Budget planner
See how a debt-aware Personalized Budget is generated for review within defined guardrails.