Understanding Net Worth

Net Worth is the single number that answers 'what am I actually worth right now, on paper.' It's everything you own, minus everything you owe, tracked over time so you can watch the trend rather than just a one-time snapshot.

Two ways to view it

• Chart view (the default): an interactive donut, or sunburst for deeper breakdowns, showing your assets and liabilities by account type.
• Table view: a grid with Assets and Liabilities as separate, collapsible sections, each grouped by account type.

Reading the table

The Assets section (shown in green) groups your Bank, Cash, Receivable, and Real Estate accounts by type, with a subtotal for each group. The Liabilities section (shown in red) does the same for Loan and credit card accounts. Below both, Total Assets, Total Liabilities, and a final Net Worth row (Assets minus Liabilities) tie it all together.

Reading the chart

The donut breaks your assets and liabilities down by account type, hover any segment to see its exact value and what percentage it represents of its parent group. Above the chart, summary cards for Net Worth, Assets, and Liabilities each carry a month-over-month percentage change badge, along with a plain-language line like "Your net worth is growing, you're up 4% vs. last month" so you're not left decoding a raw number.

What counts as an asset vs. a liability

This follows the same convention used everywhere else in Fyscal: Cash, Bank, Receivable, and Real Estate accounts count as assets. Loan accounts, including credit cards, count as liabilities. If you're ever unsure why an account shows up on one side or the other, this is the rule.

Customizing the table

The same Amount filter (Show All vs. Non-Zero) and Columns breakdown (Weeks, Months, Quarters, Years, or Total) available on Net Income also work here, letting you track your balances over time the same way you'd track income and expenses.