How do I track my net worth automatically?
Connect every asset and liability account once, then let the app value them daily instead of updating a spreadsheet. MoneyPatrol links banks, credit cards, brokerages, loans, crypto and manual assets such as real estate through read-only Plaid connections, and produces a single live net-worth figure updated daily on iOS, Android and web.
Net worth is one number: everything you own minus everything you owe
Net worth is the clearest single measure of financial progress because it captures both sides of the ledger. Paying down a card and adding to a brokerage both move it, while moving money between your own accounts does not. That is why it is a better monthly scoreboard than a checking balance.
What to include so the number is honest
A net-worth figure is only useful if nothing material is missing. Include every account, even the small and awkward ones.
- Assets: current and savings accounts, brokerage and retirement accounts, crypto, real estate, vehicles
- Liabilities: credit cards, mortgages, auto and student loans, personal and family loans
- Accounts you rarely open - old savings, dormant brokerages, a card you keep for credit history
Why spreadsheets stop working
A manual net-worth sheet needs you to log in to every institution and retype balances. It works for a month or two, then a gap appears, then the sheet stops being trusted. Automation removes the step that people actually skip: the data entry.
How MoneyPatrol automates it
MoneyPatrol connects read-only through Plaid to more than 15,000 US and international banks, credit cards, lenders and brokerages, refreshes balances daily and rolls them into one net-worth figure with a trend over time. Assets Plaid cannot reach, such as a house or a car, can be tracked alongside them so the total stays complete. Net-worth tracking is included on every plan, starting at Essential at $49/year with a 15-day free trial.
Read the trend, not the daily number
Day-to-day movement is mostly market noise and payment timing. The useful signal is the direction over three, six and twelve months, and which component moved: debt going down, investments going up, or a one-off purchase. Reviewing it monthly is enough.
Try MoneyPatrol free for 15 days
Connect your accounts read-only through Plaid and see your recurring charges, cash-flow forecast and net worth in one place. Plans start at $49/year.
Related questions
Can I include assets my bank cannot report, like a house?
Yes. Property, vehicles and other offline assets can be tracked alongside your connected accounts so the net-worth total reflects everything, not just what Plaid can reach.
How often is net worth updated?
Connected account balances refresh daily, so the net-worth figure and its trend chart update without any manual entry.
More answers
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