Skip to main content
Most apps show you account balances. Net worth is the number that actually tells you whether you’re getting ahead: everything you own minus everything you owe, tracked over time. The catch is that a lot of what you own — your home, your car, cash — doesn’t live in a bank Treasury can connect to. This guide gets you to a complete, honest number. What you’ll achieve: a net worth that reflects your whole financial life, trending over time.

​
1. Connect what you can

Start by linking your banks, cards, loans, and investment accounts in Connections. These sync automatically, so their balances stay current without any effort.
The Connections page for linking financial institutions

​
2. Add what you can’t

This is the step most people skip — and it’s the difference between a balance and a net worth. Add the big assets that don’t connect as manual accounts: your home’s estimated value, your car, cash, valuables, or an account at an unsupported institution.
The Manual Accounts page listing accounts with their type and balance
Use type Other for things like a home or car (a positive balance counts as an asset) and Loan for the mortgage or auto loan against them. Now both sides of the ledger are real.

​
3. Read your number

Open Net Worth. You’ll see assets, liabilities, and the bottom-line number — plus a trend you can view over any period.
The Net Worth page with an upward trend, asset and liability totals, and largest assets
Switch to the 1Y or ALL view. A single day means nothing; the multi-month direction is the real story. Up and to the right is the goal.

​
4. Keep it honest

  • Update manual values every month or two (home estimate, car value) so the number stays accurate.
  • Reconnect promptly when a bank drops — a frozen balance skews the total.
  • Mind utilization. The credit-utilization card flags cards worth paying down, which lifts net worth and your credit score.

​
What good looks like

A net worth that includes your home and car, not just your checking account — and a line that climbs over the year. That’s the number to watch.

​
Take it further

Net Worth

The full feature reference.

Manual Accounts

Add and update what doesn’t sync.

Find & cancel subscriptions

Free up cash to grow the number.

Ask Treasury AI

“How has my net worth changed this year?”