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Ask ten people what their net worth is and you will get ten shrugs. Not because the math is hard, it is the simplest math in personal finance. Add up what you own, subtract what you owe, and that is the number. The reason almost nobody can answer is that the inputs live in seven different apps, and nobody wants to sit down and add it all up by hand once a month.
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WIMM has a page for exactly that. Connect your accounts once and the number is always there, current, with no spreadsheet to babysit.
If the idea is new to you, this short Khan Academy explainer covers it in plain language.
Why the spreadsheet always dies
Most personal finance writing tells you to track your net worth and then hands you a spreadsheet to do it in. The spreadsheet works for about three months. Then a balance changes and nobody updates the cell. A credit card gets paid down by $500 and nobody touches it. Six months later the sheet says you are worth $14,000 less than you actually are.
When Mint shut down, the thing people missed most was seeing every account roll into one honest figure. WIMM brings that back by reading the same balances the rest of the app already tracks, so the number stays current on its own.
What counts as an asset, what counts as a liability
WIMM uses your account type to classify everything automatically. No tagging required.
- Assets. Checking, savings, and investment balances. The cash in your accounts plus whatever your brokerage says your portfolio is worth today.
- Liabilities. Credit cards, auto loans, mortgages, personal loans, and student loans. The amount you still owe.
- Net Worth. Assets minus liabilities, computed every time you open the page.
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Cash accounts and the catch-all "Other" type are intentionally left out, because they are usually noise (rounding errors, gift cards, balances nobody classified). If you want a cash balance counted, change its account type to Savings.
Credit card balances are stored as negative numbers (the bank's convention), but the math takes the absolute value before adding them to liabilities. So a card showing -$2,300 counts as $2,300 of debt, which is what you would expect. WIMM does not auto-flip an overdrafted checking balance to make the picture look better. A negative net worth is fine, and frankly more common in early adulthood than the finance influencers like to admit. The number is real.
The one screen
Open Net Worth in the sidebar (or press g w). You get four things and nothing else.
A three-card stat row showing Total Assets, Total Liabilities, and Net Worth. A 6-Month Trend line chart showing how the number has moved. A Per-Type Breakdown table grouping your accounts by type. And every account you have, whether Plaid-synced or manually entered, feeding all three.
That is the whole page. No tabs, no filters, no settings. You came here for one number, and WIMM shows you one number.
How the 6-month trend works
A single net worth figure is just a snapshot. The trend is what matters. Most tools quote your balance and stop there. WIMM rebuilds the history of each account by working backward from today's balance through the transaction ledger. For each of the last six months, it computes what each account was worth on the final day of that month, sums them up, and plots a point.
This works on accounts you connected three years ago and on accounts you connected three days ago, on Plaid accounts and manual ones alike. There is no separate snapshot schedule and no setup. The accuracy depends on how complete your history is. A freshly imported six months of CSV statements gives you six months of accurate trend. A freshly connected Plaid account with the standard 90-day pull gives you about 90 days.
The per-type breakdown is where the aha moments live
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The aggregated number stays the same and is easy to ignore. The breakdown is not. You discover the credit card balance is creeping up by $80 a month even though it feels like you paid it down. Or the savings line is sliding because you keep pulling from it for unbudgeted expenses. One number hides that. A table grouped by type cannot.
Tip
Net worth tracks whether your overall position is improving, while a budget tells you whether this month was a good one. Both matter, but only net worth survives a job change, a market drop, or a big purchase. WIMM does both: the dashboard answers "did this month work?" and the Net Worth page answers "is everything pointed in the right direction?"
A few honest gaps
WIMM does not yet have a dedicated field for your house, your car, or jewelry. If you want those counted, set up a manual account with the type Savings or Investment and update the balance when the appraisal changes. It is a workaround, not a feature.
The trend chart is fixed at six months for now, and there are no goal lines, projection lines, or "rank against your income bracket" comparisons on it. That is by design. The page is meant to be a quick truth check, not a scoreboard.
Free for everyone
Net worth tracking is on the free tier. The math works on any account in WIMM, manual or Plaid-synced. Plaid sync itself is Premium (the per-bank refresh cost is real), but a user with manually entered balances gets the exact same number and the same trend chart. WIMM does not gate transparency.
Try it now
The live demo loads sample accounts (a checking, a savings, and a credit card) so the Net Worth page populates immediately, including a months-long trend computed from the seeded history. Open app.wimm.money/demo, then click Net Worth in the sidebar (or press g w).
Try WIMM today
The demo loads with realistic data and no signup. See what this article describes in action.