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Overview

Your net worth is on the navigation bar. It pulls every account you’ve connected or added into one number — what you own minus what you owe — and tracks how it changes over time. It’s the single best measure of whether you’re moving in the right direction.
The Net Worth page: an upward trend chart, asset and liability totals, credit utilization, and accounts grouped by type

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What you can do here

  • See your net worth and how it’s trending over any period (1W to all-time).
  • Break down your assets vs liabilities at a glance.
  • Spot high credit utilization and the cards worth paying down first.
  • Review every account, grouped by type, with largest assets surfaced.
  • Add what doesn’t sync — a home, a car, cash — so the number is complete.

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Track your net worth over time

The headline number sits above a trend chart you can view over 1W, 1M, 3M, YTD, 1Y, or ALL. Switch periods to see the short-term wiggles or the long-term climb — the year-over-year view is the one that tells you whether you’re really making progress.
Don’t react to the daily number. Markets and balances bounce around day to day; what matters is the direction of the 1Y or ALL line. Up and to the right over months is the goal.

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Understand assets vs liabilities

Treasury sorts every account into assets or liabilities based on its type, then nets them together:
Account typeCounts asExamples
DepositoryAssetChecking, savings, cash
InvestmentAssetBrokerage, 401(k), IRA, crypto
Other (positive balance)AssetHome, car, valuables
CreditLiabilityCredit cards
LoanLiabilityMortgage, student loan, auto loan
Accounts are listed grouped by type, and the Largest Assets card highlights what’s doing the heavy lifting.

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Credit utilization

The Credit Utilization card shows how much of your available credit you’re using across your cards — a major factor in your credit score — and flags the cards worth paying down first.
Charge cards and cards without a preset limit can’t have a meaningful utilization percentage, so they appear under Not included. If a card is missing its limit, use + Limit to set one so it’s counted correctly.

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Keep your picture complete

Your net worth is only as honest as the accounts behind it. Two ways accounts get here:
  • Connected accounts — banks and cards linked through Connections; balances sync automatically.
  • Manual accounts — anything that doesn’t connect (a home, a car, cash, an unsupported institution) added via Manual Accounts.
Use Manage Accounts (top right) to add, reconnect, or remove accounts, and History to see every recorded snapshot.

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On the go

Your full picture — trend chart, headline number, and account groups — travels with you on mobile.
The Net Worth page on mobile

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Tips & best practices

  • Add your big assets. A home or paid-off car is often someone’s largest asset — add it as a manual account so your net worth reflects reality, not just your bank balances.
  • Watch utilization, not just balances. Keeping credit utilization low protects your score; the utilization card tells you exactly which card to pay down first.
  • Reconnect promptly. A disconnected bank freezes its balance and skews your total — reconnect from Manage Accounts when prompted.
  • Check monthly, not daily. Make the 1Y view a once-a-month ritual.

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FAQ

Your bank balance is one account. Net worth combines all of them — every cash, investment, and asset account, minus every credit card and loan — into a single number.
Not necessarily. It moves when investment balances change with the market, when a credit-card balance goes up, or when an account hasn’t synced recently. Look at the trend over months rather than a single day, and check that all accounts are connected and up to date.
Add them as manual accounts with type Other and their estimated value. They’ll count toward your assets, and you can update the value any time.
History builds as Treasury records snapshots over time, so a brand-new account starts with little history. Give it a few days and your trend line will fill in.

Connections

Link banks and cards so balances sync automatically.

Manual Accounts

Add cash, property, or accounts Treasury can’t connect to.

Transactions

See the activity behind your account balances.

Budgets

Plan spending alongside your overall financial picture.