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Track your net worth: what you own minus what you owe.

A net worth tracker adds up what your accounts hold and takes away what you owe, so you see one number. Monio does it from the balances of your connected checking, savings, investment, card and loan accounts, plus any you add by hand. It shows a separate net worth for each currency and never mixes two into one total.

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October

Overview

Spent so far

$3,506

Likely by Oct 31

$3,954

$448 more expected by month-end.

Income
$6,250
Savings rate
44%
Monio Score
78

  • Trader Joe's

    Groceries · Amex

    -$66.30

  • Arden's SteakhousePaid back

    Food & Dining · Amex

    -$80.00

    $320.00

  • Concert ticketsYou owe Sam

    Lifestyle · Sam paid

    -$120.00

  • UniqloRefunded

    Shopping · Amex

    $0.00

    $120.00

Example figures. Try the Month to date / Projected switch.

Net Worth Tracking

What you get.

  • One number, three parts

    Under your net worth, Monio shows your cash and credit balances, your investments and your debt, so you can see what moves the total.

  • Manual accounts

    Add an account by hand for anything you can't or don't want to connect, like cash or a car loan. Pick its type and enter the balance.

  • Balances hidden until you look

    The Accounts page opens with balances hidden, for privacy on a shared screen. Show them when you check in. Your choice is remembered on that device.

How it works

Three simple steps.

  1. 01

    Link your accounts

    Connect banks, cards and investment accounts through Plaid, in the US or Canada. Monio can see them but never move money.

  2. 02

    Add the rest

    Enter manual balances for anything else you want counted.

  3. 03

    Check in

    Balances refresh as your accounts sync.

How Monio adds up your net worth

Monio adds the balances of your checking, savings, cash and investment accounts, and payment apps like Venmo, then takes away what you owe on credit cards and loans. A card with a credit balance, where the bank owes you money, counts in your favor.

If an account hasn't reported a balance yet, Monio says the total is partial and how many accounts are missing, instead of guessing.

Choose which accounts count toward net worth

Each account on the Accounts page has an eye button. Hide an account from totals and it leaves your net worth, for example a business account you track somewhere else. Show it again any time. A manual account you close leaves the total too.

Tracking net worth in more than one currency

If you have accounts in US and Canadian dollars, Monio shows a net worth for each currency instead of converting one into the other, so no exchange rate ever changes your number.

Investment and retirement accounts in your net worth

Many brokerage and retirement accounts connect through Plaid, depending on the institution. Their balances count under Investments. Monio can see these accounts but can never move money.

Net worth tracking in a household

Your net worth counts only your own accounts, even when you share some with a partner. Accounts a partner shares with you show on the Accounts page as view only and don't change your number.

FAQ

Questions, answered plainly.

What is a net worth tracker?
A net worth tracker adds the balances of what you own, like checking, savings and investments, and takes away what you owe on cards and loans. Monio's does this for you from your connected accounts and any you add by hand.
How do I track my net worth?
Connect your bank, card and investment accounts to Monio through Plaid, and add a manual account with its balance for anything Plaid doesn't cover. Your net worth shows on the Accounts page and updates as your accounts sync. Monio can see your accounts but can never move money.
Does Monio support investment accounts?
Yes. Many brokerages can be connected through Plaid. Monio can see them but never move money. Support depends on the institution.
Does my net worth include my home or car?
Only if you add it. Monio doesn't look up or estimate what a home or car is worth. Add a manual account for it, choose Other as the type, and enter the value you want counted. Add the mortgage or car loan the same way, as a loan, if it isn't connected.
Is my partner's money in my net worth?
No. Your net worth counts only your own accounts. A partner's shared accounts show as view only and stay out of your total.
Can I track net worth in more than one currency?
Yes. If you have accounts in US and Canadian dollars, Monio shows a net worth for each currency. It never converts one into the other or adds them together.

More answers on the FAQ page.

Related

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