Net worth report

The Net worth report plots the sum of every account's month-end balance across time. On-budget cash, credit-card debt (negative), tracking assets, tracking liabilities — all of it, summed, monthly.

The math

For every month in the window, the report computes:

net worth(month) = sum of (balance of each account on the last day of the month)

A credit-card account with a $400 balance contributes -$400. A mortgage tracking-liability with a -$240,000 balance contributes -$240,000. A 401k tracking-asset at $80,000 contributes +$80,000.

The line is the running total. There is no smoothing, no trend line, no projection — what you see is what your accounts said at the close of each month.

Time windows

The window picker:

• 1 year — month-by-month, last 12 months
• 3 years — month-by-month, last 36 months
• 5 years — month-by-month, last 60 months
• All-time — month-by-month, full profile history
• Custom — pick a start and end month

The chart switches from full month resolution to quarterly aggregates when All-time is selected on a profile with more than five years of history. This keeps the line readable.

The companion table

Below the chart is a table with one row per month:

• Month
• Cash — sum of on-budget accounts
• Debt — sum of credit-card balances (positive number, representing what you owe)
• Tracking assets — sum of tracking-asset accounts
• Tracking liabilities — sum of tracking-liability balances (positive number)
• Net worth — assets minus debts

The table prints next to the chart on the print stylesheet.

What it's good for

• Confirming you're moving in the right direction. A line going up means you're saving faster than your tracking assets are depreciating and your debt is growing. A flat line means you're treading water. A line going down means the opposite.
• Catching one-off windfalls and shocks. A bonus, a tax refund, a big medical bill — they all show up as month-over-month jumps. Hovering a month shows what changed.
• Year-over-year comparison. A multi-year window makes it easy to see whether this March is ahead of last March.

What it's not good for

• Daily volatility. Month-end snapshots smooth out everything in between. If you want to watch a brokerage day-by-day, use the brokerage's own tools.
• Inflation-adjusted comparison. The report shows nominal dollars. If you want real dollars, you'll need to deflate yourself.
• Tracking individual account contribution. Use the Spending by category or the register filtered by account for that.

When tracking accounts need updating

A common cause of misleading net worth lines: tracking accounts that haven't been updated in months. A 401k balance you entered in January doesn't change on its own — the report keeps using January's number for every month after until you add a transaction or edit the opening balance.

Recommended habit: on the first of every month, open the relevant tracking accounts (401k, brokerage, home value), check the institution's current balance, and add an Adjustment transaction for the difference. Five minutes total. The report immediately reflects the new reality.

Print

The print stylesheet hides the chrome, scales the chart to fit a portrait page, and prints the data table on a second page. Useful for monthly review packets if that's a habit you have.