My net worth
What you own minus what you owe, month by month.
Your wealth is measured against your spending: how many months your available money covers.
Your profile stays in this browser. You create no account, and we send nothing anywhere.
Month-by-month table
| Month | You own | You owe | Net worth |
|---|
The rates are your own.
The money for your goals sits inside your accounts. It counts once, as set aside.
Prices from gold-api.com and CoinGecko, checked against Kraken. Exchange rates from the ECB and Rates By Exchange Rate API. A bank buys for less and sells for more.
How your net worth is counted
Net worth is what you own minus what you owe. The debts come from the Debts tool, so you never enter them twice.
Each month that you open My money, we keep a snapshot of that month. A change of value changes only the snapshot of the current month.
Available money is cash, accounts, savings and investments. We measure it against the essential spending of one month.
A home or a car counts in your net worth at the value you enter. It does not pay the bills, though, so it does not count as available money.
We do not connect to any bank. You enter the values yourself, whenever you like, and they stay on this device.
Market prices come from this site, the same for every reader. The request does not say what you own, and your amounts never leave your device.