[{"data":1,"prerenderedAt":401},["ShallowReactive",2],{"blog-en-track-your-net-worth":3},{"post":4,"related":383,"translations":396},{"id":5,"title":6,"body":7,"date":359,"description":360,"extension":361,"icon":362,"key":363,"keywords":364,"meta":371,"navigation":372,"path":373,"seo":374,"slug":375,"stem":376,"tags":377,"__hash__":381,"minutes":382},"blog/blog/en/track-your-net-worth.md","The Whole Net Worth in View: Accounts, Gold, Crypto and Property",{"type":8,"value":9,"toc":347},"minimark",[10,14,18,26,31,34,39,50,53,57,60,63,67,70,190,193,197,204,226,229,233,240,243,254,258,269,272,275,290,298,302,309,313,316,321,324],[11,12,6],"h1",{"id":13},"the-whole-net-worth-in-view-accounts-gold-crypto-and-property",[15,16,17],"p",{},"A current account at one bank, a savings account at another. A few gold coins in the safe, some Bitcoin in a wallet, the car in the driveway, maybe a flat with a mortgage. And the credit card whose statement won't arrive until next month.",[15,19,20,21,25],{},"Each piece on its own is easy enough. But very few people can answer ",[22,23,24],"strong",{},"\"So what am I actually worth?\""," off the top of their head. This post shows how to bring everything together in one place, without spreadsheet chaos and without watching prices every day.",[27,28,30],"h2",{"id":29},"what-net-worth-means","What net worth means",[15,32,33],{},"The maths is simple:",[15,35,36],{},[22,37,38],{},"Net worth = everything owned − everything owed.",[15,40,41,42,45,46,49],{},"On one side are the ",[22,43,44],{},"assets",": account balances, cash, precious metals, crypto, securities, plus physical things like a flat, a car or collectibles. On the other side are the ",[22,47,48],{},"liabilities",": credit card balances, personal loans, a car loan, a mortgage, money borrowed from someone.",[15,51,52],{},"Net worth isn't a number to show off. It works more like a compass: if it rises over the years, the direction is right, even when it doesn't always feel that way day to day.",[27,54,56],{"id":55},"why-debts-have-to-be-in-the-picture","Why debts have to be in the picture",[15,58,59],{},"Plenty of overviews only show what's there. That looks nicer, but it's incomplete. A €650 credit card balance is money that's already been spent. A €5,200 car loan belongs in the picture just as much as the car itself.",[15,61,62],{},"Leaving debts out overstates the wealth, sometimes by a lot. It also hides one of the most satisfying things to watch: every loan repayment raises net worth, even when the bank balance stays the same.",[27,64,66],{"id":65},"an-example-with-real-numbers","An example with real numbers",[15,68,69],{},"Here's what an overview might look like:",[71,72,73,86],"table",{},[74,75,76],"thead",{},[77,78,79,83],"tr",{},[80,81,82],"th",{},"Item",[80,84,85],{},"Value",[87,88,89,98,106,114,122,130,138,150,158,166,178],"tbody",{},[77,90,91,95],{},[92,93,94],"td",{},"Current account",[92,96,97],{},"€2,400",[77,99,100,103],{},[92,101,102],{},"Savings account",[92,104,105],{},"€8,000",[77,107,108,111],{},[92,109,110],{},"Gold (coins and bars)",[92,112,113],{},"€6,500",[77,115,116,119],{},[92,117,118],{},"Silver",[92,120,121],{},"€1,200",[77,123,124,127],{},[92,125,126],{},"Crypto",[92,128,129],{},"€3,100",[77,131,132,135],{},[92,133,134],{},"Car (estimated value)",[92,136,137],{},"€9,000",[77,139,140,145],{},[92,141,142],{},[22,143,144],{},"Total assets",[92,146,147],{},[22,148,149],{},"€30,200",[77,151,152,155],{},[92,153,154],{},"Credit card",[92,156,157],{},"−€650",[77,159,160,163],{},[92,161,162],{},"Car loan",[92,164,165],{},"−€5,200",[77,167,168,173],{},[92,169,170],{},[22,171,172],{},"Total liabilities",[92,174,175],{},[22,176,177],{},"−€5,850",[77,179,180,185],{},[92,181,182],{},[22,183,184],{},"Net worth",[92,186,187],{},[22,188,189],{},"€24,350",[15,191,192],{},"If a flat is part of the picture, both the flat and the mortgage go on the list. A €240,000 flat with €180,000 still owed adds €60,000 to net worth, not €240,000.",[27,194,196],{"id":195},"physical-assets-estimate-on-the-cautious-side","Physical assets: estimate on the cautious side",[15,198,199,200,203],{},"Gold, silver and crypto have daily market prices. A flat, a car or a watch collection don't. The only way here is an ",[22,201,202],{},"honest estimate",":",[205,206,207,214,220],"ul",{},[208,209,210,213],"li",{},[22,211,212],{},"Car:"," What would it fetch if sold today? Used-car listings are a good guide. The value drops every year, and the estimate should follow.",[208,215,216,219],{},[22,217,218],{},"Flat:"," Comparable listings in the area, or an earlier valuation. Err on the conservative side.",[208,221,222,225],{},[22,223,224],{},"Collectibles:"," Only include them if they have a realistic resale value.",[15,227,228],{},"Updating these once a year is plenty. The point isn't accuracy to the euro, it's an honest overall picture.",[27,230,232],{"id":231},"returns-made-simple-what-xirr-means","Returns made simple: what XIRR means",[15,234,235,236,239],{},"Sooner or later the question comes up whether the investments are actually paying off. The obvious calculation, current value divided by what was put in, has a catch: it ignores ",[22,237,238],{},"when"," the money was invested.",[15,241,242],{},"Say €1,000 of gold is bought in January and another €1,000 in July. By December it's all worth €2,150. That's 7.5% more than was paid in. But the second €1,000 was only invested for half a year. Scaled to a full year, the return is higher, roughly 10%.",[15,244,245,246,249,250,253],{},"That's exactly what ",[22,247,248],{},"XIRR"," works out: an ",[22,251,252],{},"annual return that takes into account when money went in and came out",". It makes different investments comparable, whether money went in once or in regular top-ups. Nobody needs to know the formula. The thing to remember: the higher it is, the better the money has grown per year.",[27,255,257],{"id":256},"allocation-and-rebalancing-a-calm-habit","Allocation and rebalancing: a calm habit",[15,259,260,261,264,265,268],{},"Beyond the total, it's worth looking at the ",[22,262,263],{},"allocation",": what percentage of the portfolio sits in each investment? Many people set a ",[22,266,267],{},"target allocation"," and check once or twice a year whether reality still matches.",[15,270,271],{},"In the example above, the portfolio is gold, silver and crypto, €10,800 in total. Suppose the target is 75% precious metals and 25% crypto. Crypto actually stands at €3,100, about 29%. The target would be €2,700, so crypto is overweight by roughly €400.",[15,273,274],{},"Two ways to bring it back into balance:",[276,277,278,284],"ol",{},[208,279,280,283],{},[22,281,282],{},"Shift money:"," sell part of the overweight investment and put it into the underweight one.",[208,285,286,289],{},[22,287,288],{},"Steer with new money:"," direct fresh contributions into the underweight investment. That's often the more relaxed route and avoids selling costs.",[15,291,292,293,297],{},"The key word is ",[294,295,296],"em",{},"calm",". Rebalancing isn't reacting to prices every day. It's a fixed date in the calendar, say every spring.",[27,299,301],{"id":300},"dont-forget-fees-and-income","Don't forget fees and income",[15,303,304,305,308],{},"Buying and selling fees, the premium on physical gold, storage costs: all of these eat into the return. On the other side there's income, like interest or staking rewards. Recording both gives a more honest result. It's also worth noting ",[22,306,307],{},"where"," each position is kept: which safe, which wallet, which bank. That helps day to day, and in an emergency it helps the family too.",[27,310,312],{"id":311},"the-bottom-line","The bottom line",[15,314,315],{},"Net worth means everything owned minus everything owed, credit cards and loans included. Estimate physical assets honestly, use XIRR to compare returns fairly, and review the allocation calmly once or twice a year. That way the whole financial picture stays in view without taking over the day.",[15,317,318],{},[294,319,320],{},"Note: this post is not investment advice. It explains terms and methods and doesn't replace personal advice.",[322,323],"hr",{},[15,325,326,333,334,340,341,346],{},[327,328,330],"a",{"href":329},"/en/features",[22,331,332],{},"Money Koi"," brings all of this together: accounts with credit cards and loans counted as liabilities, precious metals and crypto at daily market prices with price history back to 2010, and custom positions like a flat, a car or collectibles valued by hand. The portfolio view shows value vs. cost, gains and losses, returns (XIRR), the allocation, a target allocation with rebalancing hints, fees and income, and where each position is stored. It all feeds into net worth over time. Investments and Analytics are part of Pro, while the budget book itself is free and needs no account. The app works without internet and is available for ",[327,335,339],{"href":336,"rel":337},"https://play.google.com/store/apps/details?id=com.psyren.moneykoi",[338],"nofollow","Android via Google Play",", and with Cloud also in the browser at ",[327,342,345],{"href":343,"rel":344},"https://my.moneykoi.com",[338],"my.moneykoi.com",". iOS is planned for the end of 2026.",{"title":348,"searchDepth":349,"depth":349,"links":350},"",2,[351,352,353,354,355,356,357,358],{"id":29,"depth":349,"text":30},{"id":55,"depth":349,"text":56},{"id":65,"depth":349,"text":66},{"id":195,"depth":349,"text":196},{"id":231,"depth":349,"text":232},{"id":256,"depth":349,"text":257},{"id":300,"depth":349,"text":301},{"id":311,"depth":349,"text":312},"2026-09-13T00:00:00.000Z","Bank accounts, gold, silver, crypto, a car or a flat: how to work out net worth, what XIRR returns mean and how to keep an allocation calmly on track.","md","lucide:gem","vermoegen-im-blick-behalten",[365,366,367,368,369,370],"how to calculate net worth","net worth tracker","track net worth","XIRR explained","portfolio rebalancing","gold and crypto portfolio",{},true,"/blog/en/track-your-net-worth",{"title":6,"description":360},"track-your-net-worth","blog/en/track-your-net-worth",[378,379,380],"Net Worth","Investments","Overview","-YHncHo-ddUgxnoGPtSS75pQFVzzRCGPHTRiq4nVoSU",6,[384,388,392],{"key":385,"slug":386,"title":387,"minutes":382},"geld-verleihen-freunde-familie","track-money-lent-to-friends","Money Lent, Money Borrowed: Keep Track Without the Awkwardness",{"key":389,"slug":390,"title":391,"minutes":382},"finanz-jahresrueckblick","year-end-money-review","The Year-End Money Review: One Calm Hour Between Christmas and New Year",{"key":393,"slug":394,"title":395,"minutes":382},"kassabon-scannen-ohne-cloud","scan-receipts-without-cloud","Scan Receipts Without a Cloud Reading Along: How a Private Receipt Scanner Works",[397,399],{"code":398,"slug":363},"de",{"code":400,"slug":375},"en",1792839598362]