True NorthTrack what you own, see what you're worth
Track what you own: home, car, investments, retirement accounts, and cash. Assets minus debts equals your net worth.
Net worth matters more than income. Someone earning $100k with $50k debt and no savings is worse off than someone earning $60k with $100k saved. Tracking assets shows your true financial position.
Overview at a Glance
At the top, see your total asset value, net equity (assets minus linked debt) with ownership status, total linked debt with leverage ratio, and how many assets you are tracking. Assets needing value updates are flagged for validation.
Six Asset Types
Categorize everything you own into one of six types for a clear, organized view of your holdings.
Home
Your primary residence or other real estate you own. Link a mortgage to see true equity instead of just the property value.
Car
Vehicles you own. Link an auto loan to see how much equity you actually have versus what you still owe.
Investment
Brokerage accounts, stocks, and other investment holdings. Update balances monthly to keep your net worth accurate.
Retirement
401k, IRA, pension, and other retirement accounts. These are long-term assets that grow over time and contribute significantly to net worth.
Cash
Bank accounts, emergency fund, and other cash reserves. Seeing your cash position alongside your budget reinforces the progress you are making.
Other
Anything else of value that does not fit the other categories. Use this for collectibles, precious metals, or other assets worth tracking.
Linking Assets to Debts
Link a debt to an asset to see true equity. The linked debt amount is subtracted from the asset value so your net worth reflects what you actually own, not just what things are worth on paper.
Mortgage
What appears in your net worth
Keep Values Current
Update asset values periodically to keep your net worth accurate. Investment accounts fluctuate and should be updated monthly or quarterly. Real estate values can be updated annually or when comparable sales data is available.
Review Tab
Assets not updated in 30 or more days appear in the Review tab for validation. This helps ensure your net worth stays accurate over time.
Validate
Confirming an asset updates its "last validated" date without changing the value. Use this when the value has not changed but you want to acknowledge you have reviewed it.
Update
Change the asset's value when it has increased or decreased. This updates both the value and the last validated date.
Pro Tips
Update investment balances monthly
Investment accounts fluctuate regularly. Monthly updates keep your net worth calculation meaningful and accurate.
Link mortgages to home assets
Seeing a $300k home in your net worth is misleading if you owe $200k on it. Linking the mortgage shows your true $100k equity.
Skip depreciating items
Do not include furniture, electronics, or other items that lose value quickly and have little resale value.
Common Mistakes
Overvaluing your home
Use recent comparable sales in your area rather than optimistic estimates. An inflated home value gives you a false sense of net worth.
Forgetting to update after large changes
Large deposits or withdrawals can significantly shift your net worth. Update asset values after major financial events.
Including personal items
Clothing, household items, and personal electronics have little resale value. Including them inflates your net worth without adding real financial value.
Related Features
Understand what you own, not just what you owe
Track your assets alongside your budget for a complete view of your financial health.
View Pricing