Net worth feature overview

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Your net worth is your assets (what you own) minus your liabilities (what you owe). Assets can be things like a house or savings. A liability is typically money you owe, such as a bank loan.

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The chart at the top shows how your net worth changes each month. You can add assets and liabilities, edit past months, and link connected accounts so values stay up to date.

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1. A quick summary

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When you add an asset or liability, you'll give it a name, value, type, and emoji. You can link a connected account so the value updates automatically, or enter the value yourself.

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Items then group by type, like Property or Cash. The breakdown shows how each type makes up what you own and what you owe.

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If your plan doesn't include net worth, you'll see the upgrade screen instead.

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2. Reading the chart

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The chart at the top tracks your net worth month by month. Tap a point to see that month, including the change compared to the prior month.

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Use the date range to look further back:

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• Last 3 months
• Last 6 months
• Last 12 months
• Last 24 months
• All time

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On web, this is a dropdown. On mobile, it's a slider labelled 3M, 6M, 1Y, 2Y, and All.

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3. Adding assets and liabilities

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On web, tap Add asset or Add liability. On mobile, tap the + next to Add an asset or Add a liability.

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Then enter:

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• 1. Name
• 2. Type - required. Examples include Property, Cash, Stocks, Mortgage, or Credit card
• 3. Value - what you own, or the amount you owe
• 4. Emoji
• 5. Link to an account? - tap Yes to pick a connected account, or leave it as No and enter the value yourself

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The value you enter is for the current month. For how to add the full details, read How to add an asset or How to add a liability.

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4. Types and the breakdown

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Every asset and liability needs a type. Items then sit in type groups on the Net worth screen, with a total for each group. Tap a group to expand or collapse it.

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The Net worth breakdown shows the share of what you own and what you owe by type.

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5. Editing history

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Tap Edit next to your assets or liabilities to change values month by month, just like editing your budget.

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• Manual items - start at $0 for past months until you add a value
• Linked items - fill in from your account balances
• Months you edit yourself - stay as you left them, even after a later account refresh

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On web, Edit opens a spreadsheet-style grid of the last 24 months. On mobile, tap Edit, then swipe or pick a month.

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If you change the value on an item itself, that only updates the current month. Use Edit to change a past month. Read How to edit an asset or liability for the full walkthrough.

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6. Linking accounts

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If you link a connected account, the asset or liability stays up to date when the connection refreshes. Linked items also fill past months from those account balances, unless you've already edited that month yourself.

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If you enter values manually, check in every month to keep them up to date.

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You're all ready to go 🎉

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Woohoo! You're all set to track what you own and owe over time. If you run into any issues, feel free to get in touch with us at hello@budgetbuddie.co.nz

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