Accounts are the foundation of everything else in NetWorthy — every balance you track, every debt you plan to pay off, and your overall net worth all come from the accounts you add here.
What this screen shows
The Accounts screen opens with your current net worth total, computed from every account you've added. Below that is a form for adding a new account, and below that a list of every account you have, each showing its type and current balance. Each account row links to its own detail page with a balance history chart.
Every account has a name, a type, and a balance. The supported types are checking, savings, credit, loan, brokerage, retirement, property, vehicle, entity, and other. The type determines whether an account counts toward your assets or your liabilities when your net worth is calculated — checking, savings, brokerage, retirement, property, and vehicle accounts count as assets, while credit and loan accounts count as liabilities.
How to use it
- Add an account — enter a name, choose a type, and enter the current balance. For a liability (a credit card or loan), enter the amount you owe as a negative number; the form shows a hint reminding you of this whenever you pick a liability type. Getting the sign right matters — a positive balance on a credit card would inflate your net worth rather than reduce it.
- Edit an account — use the Edit button on any row to load its name, type, and balance back into the form, make your change, and save. Editing the balance directly records a new value; it does not create a dated snapshot on its own (see below for how history is actually recorded).
- Close an account — use the Close button when you've closed the real account: refinanced a loan, switched banks, cancelled a card. The account stops counting toward your current net worth, safe-to-spend, and emergency-fund runway, but every balance it ever recorded stays in your history and on your charts, because those balances were true on the days they were taken. Reopen puts it back.
- Delete an account — for one you entered by mistake. Deleting removes its balance history with it, so once an account has any history beyond the balance it opened with, NetWorthy refuses and points you at Close instead.
- Exclude an account from net worth — a checkbox on the edit form, for an account that is real and open but isn't yours to count (a business account, or one you hold for someone else). Unlike closing, this also removes the account from your net-worth history, since it was no more part of your net worth last year than it is today.
- Open an account's detail page — click its name to see its current balance, what it counts as (asset or liability), the date it was first recorded, a chart of its balance over time, and a plain list of every recorded balance, most recent first.
Notes and limits
A balance snapshot is recorded whenever a balance changes — that's what populates the chart and list on the account detail page and what feeds the net worth trend over time. An account with only one balance ever entered will show a flat, single-point history.
Every account carries a currency, and today the currency used when adding or editing an account is fixed to USD. If a balance was ingested from a linked Life OS partner rather than entered by hand, its row shows a provenance badge so you can tell where it came from.
NetWorthy only records balances you tell it about — there is no bank connection or automatic sync in the product today. This is read-only bookkeeping: NetWorthy never moves money, pays a bill, or places a trade on your behalf, no matter what type of account you add.