Manual net worth tracking
Update balances once a month, combine assets and debts across the household, and follow the trend without importing transactions or sharing bank login details.
Best for people who prefer control and a calm monthly routine over real-time bank feeds.
12 accounts checkedNext household review: Oct 31
The monthly method
Net worth is total assets minus total liabilities. The useful part is repeating the same calculation consistently, not making it more complicated.
Add current balances for cash, investments, retirement accounts, property and other assets you choose to include.
Record the current balance of mortgages, credit cards, student loans and other liabilities—not the original loan amount.
Update every account around the same day each month so changes reflect a comparable household snapshot.
Compare total assets, total liabilities and net worth over time. Add context for large changes instead of reacting to daily market noise.
Spreadsheet or app?
A spreadsheet is free, flexible and portable. JointWorth is useful when the recurring work becomes the problem.
| What matters | Spreadsheet | JointWorth |
|---|---|---|
| Balance updates | Manual | Manual |
| Setup | You design the structure and formulas | Assets, liabilities and totals are already structured |
| Household sharing | Share a file and manage access | Invite a partner to the same household |
| Multiple currencies | Build and maintain conversion formulas | Choose a base currency for the household view |
| History | Maintain rows, tabs and charts | See balance and net worth trends |
| Best fit | Maximum flexibility and file ownership | A repeatable phone-first household routine |
What JointWorth adds
JointWorth keeps accounts, liabilities, goals and notes in one household view. You still decide what to enter and when to update it.
A good fit if
Probably not a fit if
Questions
For account, privacy or deletion questions, visit support or read the privacy policy.
No. You add accounts and update balances yourself. JointWorth does not actively connect to banks or automatically read bank statements.
A monthly check-in works well for many households. It is frequent enough to show a useful trend without turning net worth tracking into a daily task.
No. JointWorth focuses on account balances, assets, liabilities and goals rather than daily expense logging.
Yes. You can create a household and invite a partner or family member to maintain the same shared view.
Yes. JointWorth supports multiple currencies and converts them into one household view using the base currency you choose.
Build one household view, update balances on your schedule, and keep the trend without linking bank accounts.
