The Net Worth report shows your complete financial picture (all your assets minus all your debts) and how it changes over time. It's one of the most important metrics for understanding your overall financial health.
Understanding Net Worth
Your net worth is calculated as:
Net Worth = Total Assets - Total Liabilities
Where:
- Assets include bank accounts, investments, property, vehicles, and other valuables
- Liabilities include loans, credit card balances, and other debts
A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
Accessing the Report
- Go to Reports from the main navigation.
- Select Net Worth from the report options.
Time Periods
Use the period selector to view your net worth over different timeframes:
| Period | Shows |
|---|---|
| Last 30 Days | Your net worth over the past month |
| Last 90 Days | Your net worth over the past 3 months |
| Last 6 Months | Your net worth over the past 6 months |
| Last 12 Months | Your net worth over the past year |
| Last 5 Years | Your net worth over the past 5 years |
| Last 10 Years | Your net worth over the past 10 years |
The chart will show data points based on the selected period, with more detail for shorter timeframes.
Net Worth Tiles
At the top of the report, four tiles show the breakdown of your net worth: Cash & Bank, Investments, Assets and Debts (the web labels the last three Total Investments, Total Assets and Total Debts).
Cash & Bank
The total of all your bank accounts and cash accounts. This represents your liquid assets: money you can access immediately.
Investments
The total value of all your investment accounts, including brokerage accounts, managed funds, and share portfolios. This counts both the uninvested cash and the holdings, valued at their latest prices and converted to AUD where a security trades in another currency. See Tracking Investments.
Assets
The total value of property, vehicles, jewellery, art, and other valuables you're tracking.
Debts
The total of all your loans and credit card balances. This is shown as a negative number since it reduces your net worth.
Where the Detail Lives
The tiles are a read-only summary. To see the accounts behind each figure, use the Summary view, which lists every account grouped under Cash & Bank, Investments, Assets and Debts.
Reading the Chart
The line chart shows your net worth over time:
- The line is drawn in Financio's teal while your net worth is positive, and in your negative colour (set under Appearance) if it goes below zero.
- Hover over any point to see the exact value and date
- The percentage change under the headline figure shows how much your net worth has moved compared to the start of the selected period.
Summary View
The report opens in Summary view: every account listed with its current balance, grouped under Cash & Bank, Investments, Assets and Debts. It's the place to check which accounts are being counted.
Table View
Switch to the table view (the table icon in the view switcher) to see a grid of accounts against dates. Each row is an account, each column is a date in the selected period, and a Total Net Worth row along the bottom sums every account for that date.
Tap Table to see one row per date, showing the net worth total on that date and how much it moved since the previous point. Tap a row to expand the account-by-account breakdown behind that figure.
This is useful for seeing exact figures and identifying specific dates where significant changes occurred.
Asking Insights Questions
Insights answers plain-English questions about your net worth using your own data.
Click the purple Insights button next to Filters to open the questions drawer.
Tap the sparkles icon in the top-right corner to open the questions sheet. Questions are grouped by topic.
Pick a question from the list. Some have highlighted parts you can tap to change (an account, an amount, a time period), so "When will my savings reach $100k?" can become "$250k" with one tap. Each answer shows a headline figure with a short caption, a couple of sentences of explanation and a tip.
These questions look at your whole household over the last twelve months, regardless of the date range shown on the chart.
Questions on this report include:
- What will my net worth be in a chosen number of years?
- How much has my net worth changed over a period?
- When will my net worth reach a target?
- What's contributing most to my net worth growth or decline?
- What percentage of my net worth is in investments, cash or assets?
- What will my total cash and bank balance be in a few months?
- How fast is my net worth growing each year?
- How much of my net worth change came from saving versus asset growth?
- What's my debt-to-asset ratio?
Most of these are calculated directly by Financio; a handful are answered with help from an AI provider using only amounts, dates and category or merchant names. The first time you use Insights you'll be asked to acknowledge how your data is handled. See AI Features & Privacy for details, including how to turn AI features off for the whole household.
Questions that need more history than you have (for example, three months of transactions) are hidden until enough data exists.
Downloading Your Data
See Exporting Reports for how downloads work on the web and iPhone.
What Affects Your Net Worth
Your net worth changes when:
- Account balances change: Deposits increase it, withdrawals decrease it
- Asset values are updated: Property appreciation or depreciation
- Loans are paid down: Reducing debt increases net worth
- New debt is added: Credit card spending or new loans decrease it
- Investment values change: Market gains or losses
Regular Updates
For the most accurate net worth tracking, update your asset values periodically (property, vehicles) and keep your account balances current.
Choosing Which Accounts Count
The Net Worth report has no Filters button. Which accounts are counted is controlled by each account's "Include in Net Worth" setting. See the Account Visibility section below.
Account Visibility
Only accounts with "Include in Net Worth" enabled count towards the totals in this report.
The quickest way to change that is from the report itself: in the summary view, each account listed under Accounts Included in Net Worth has a switch on the left of each account row. Switch it off and the account drops to Accounts Not Included in Net Worth, with the totals and chart updating straight away. Switch it back on there to include it again. This changes the account's "Include in Net Worth" setting, so it applies everywhere, not just in this report.
You can also change it from the account itself:
- Go to Accounts
- Click on the account
- Click Edit
- Ensure "Include in Net Worth" is toggled on
- Save your changes
On iPhone the summary view lists accounts but doesn't let you switch them in or out from here. Accounts left out appear under Accounts Not Included in Net Worth marked "Not included". Change it from the account itself:
- Go to Accounts
- Tap the account
- Tap Edit
- Turn on Include in Net Worth Report
- Save your changes