# Track your net worth

Net Worth adds up what you own across your accounts, subtracts what you owe, saves the total once a day, and lets you fix past days in History.

## How your net worth is worked out

Net worth is everything you own minus everything you owe, across your connected and manual accounts.

- Cash and investment accounts count as assets.
- Credit cards and loans count as liabilities.
- **Other** accounts, such as a home or car, count as an asset when you have the balance and a liability when you owe it.

For balances in another currency, see [Net worth, recurring and investment totals](https://treasury.sh/help/currencies#totals).

## Net worth chart and time periods

The large amount at the top of **Net Worth** is your net worth now, with the change over the period you pick. Choose **1W**, **1M**, **3M**, **YTD**, **1Y** or **ALL**.

![The Net Worth chart on ALL, showing the total, its change over all time and the 1W to ALL period buttons](https://treasury.sh/help/net-worth-chart.webp)

Treasury saves your net worth once a day, in the evening US time. Today's point uses your current balances. Your chart starts when you joined Treasury, unless you [add earlier entries](https://treasury.sh/help/net-worth#history) or import a balances file.

## What Assets, Liabilities, Net Cash and Debt Ratio show

Four numbers in **Net Worth** sum up your accounts in your primary currency.

![Net Worth's summary with Assets, Liabilities, Net Cash and Debt Ratio](https://treasury.sh/help/net-worth-summary.webp)

- **Assets** is everything you own, and **Liabilities** is everything you owe.
- **Net Cash** is your cash account balances minus your credit card balances: what you could spend today without new debt.
- **Debt Ratio** is liabilities divided by assets. Under 20% is excellent, 20% to 40% is good, 40% to 60% is fair, and 60% or more is high.

For example, $50,000 of liabilities against $200,000 of assets is a 25% debt ratio. These are example amounts.

**Net Worth** also shows **Credit Utilization**, how much of your cards' limits you use. See [Credit utilization](https://treasury.sh/help/credit-cards-and-loans#utilization).

## Open an account's details

Select any account in **Net Worth** to open its page. The page shows its balance, its money in and out, **Top Categories**, **Recurring** payments and its transactions.

**Edit account** (the pencil) can [rename the account](https://treasury.sh/help/bank-accounts#rename) or [set a card's credit limit](https://treasury.sh/help/credit-cards-and-loans#limit).

Connected accounts get their balances from your bank. To change a manual account's balance, [edit it in Manual Accounts](https://treasury.sh/help/manual-accounts#balance).

## Add, edit or delete past net worth

In **Net Worth**, select **History** to see one saved net worth per day.

- To add a day, select **Add entry**. Choose the **Date**, enter the **Net Worth Amount** and select **Add Entry**.
- To change a day, open its **⋯** menu and select **Edit**. Change the date or amount, then select **Save Changes**.
- To delete a day, open its **⋯** menu, select **Delete**, then **Delete Entry**. To delete several, tick them and select **Delete**.

Each date can have one entry, and that evening's save replaces today's entry. For entries in another currency, see [Net worth, recurring and investment totals](https://treasury.sh/help/currencies#totals). Changing history doesn't change any account balance or transaction. Treasury AI can explain your net worth, but it can't edit these entries.

> [!CAUTION]
> Deleted net worth entries can't be restored.

## If your net worth looks wrong

Check these common causes, starting with the biggest accounts in **Net Worth**:

- A manual account's balance is out of date. [Update it](https://treasury.sh/help/manual-accounts#balance).
- A credit card, loan or **Other** debt was entered with **Have** instead of **Owed**.
- An account an import created has no balance yet, so it counts as zero.
- The same account appears twice, once connected and once manual. [Merge the manual one](https://treasury.sh/help/manual-accounts#merge).
- An account is [excluded](https://treasury.sh/help/bank-accounts#exclude), or its bank connection is disconnected, so it's left out.
- A brokerage's balance comes from the brokerage, so it can differ from the total in **Investments**.
- A bank needs reconnecting, so its balance is old. See [If your bank shows Action Required](https://treasury.sh/help/connect-your-bank#reconnect).

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Open Net Worth in Treasury: https://app.treasury.sh/networth

Page: https://treasury.sh/help/net-worth

Last checked against the app: 2026-11-04