Your net worth in ClearCash is the total value of what you own minus what you owe. It combines your financial accounts, properties, and liabilities into one view so you can see where you stand today and how that has changed over time.
What is included
ClearCash includes both assets and liabilities in your net worth:
| Included as assets | Included as liabilities |
|---|---|
| Checking and savings accounts | Credit cards |
| Investment accounts | Mortgages |
| Cash and manual asset accounts | Auto loans |
| Properties and other tracked assets | Student loans and other debts |
Depository, investment, and property values add to your net worth. Credit and loan balances subtract from it.
Personal and shared net worth
If you use groups, ClearCash keeps personal ownership and shared visibility separate.
- Personal net worth shows your own financial position, including your share of any split accounts
- Group net worth shows the combined picture for the selected group
- View-only shared accounts can be visible for transparency without being counted as your owned asset
This is especially useful for couples or housemates who share some accounts but not everything. You can understand the household picture without losing track of your own.
ClearCash is built around ownership, not just visibility. Sharing an account with a group does not automatically mean the full balance belongs to every member equally.
Net worth history
The net worth chart shows how your balance sheet changes over time. Historical points are based on the balances, liabilities, and property values that applied on those dates.
That means:
- Account balance changes affect the chart as transactions sync or are entered
- Loan balances reduce net worth as liabilities
- Property value updates affect net worth from the effective date of the new valuation
- Changes to sharing splits affect how shared balances are attributed going forward
Because ClearCash uses historical data rather than just today’s balances, the chart is meant to reflect what your net worth was at each point in time.
Why the number changes
Your net worth can move for several reasons:
- You earn income or spend money
- You pay down debt
- An investment account gains or loses value
- You update the value of a property
- You add, remove, or share an account
For shared finances, your individual number may also change if the account split changes or if you start including a new shared account in a group.
Frequently Asked Questions
Why does my net worth not match my bank’s total balance?
Your bank only shows balances held at that institution. ClearCash calculates net worth across all included assets and liabilities, so loans, credit cards, investments, and properties can all change the total.
Do manual accounts count toward net worth?
Yes. Manual accounts are treated the same as connected accounts for reporting and net worth calculations. See Manual accounts →
Can I track net worth in multiple currencies?
Yes. ClearCash stores accounts and transactions in their original currencies, then converts them to your reporting currency when calculating totals. See Exchange rates →
Why did my net worth change after I updated a property value?
Properties are part of your asset total. When you change a property’s value, ClearCash updates the property’s valuation timeline and uses that new value for net worth from the effective date onward. See Properties →
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