Things · net worth

What you hold and what you owe, face up.

Every account as a card: bank, card, loan, brokerage, retirement, the house, the car. Net worth is their sum, and every balance says where it came from and when.

What it answersStandard

Things

Balances reconciled to each bank's own statement.
Estimates — a home, a car — are labelled as estimates, with their sources.
Loans carry their terms: the rate, the payment, what is left.
Net worth over time, with what moved it.

Reserve Standard

Things

Up 4,212 since July, most of it the brokerage. The home is an estimate and says so.

What we hold and owe · net worth 186,420

Everyday checking··4417 · bank3,104.62reconciled 30 Sep

Joint savings··1186 · bank18,250.00reconciled 30 Sep

Travel card··9930 · card−412.18due in 12 days

Brokerage··0071 · invest41,880.12as of yesterday

Homeestimate412,000modelled · 2 sources

Mortgage··2290 · loan−288,402.556.1% · 26 yrs left

⊙ 6 accounts · 1 modelled (the home) · nothing unknown

Drawn on an invented household — Rhys and Tess Okafor-Hale and Tess's Okafor Studio LLC. Every name and figure is made up.

Can I track things that are not bank accounts?

Yes. A house, a car or anything else of value can be kept by hand or estimated, and it is labelled as such.

Next: Household →

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