Gross assets
The dated value of every included asset position.
How it works · 01
One balance sheet. Nothing rewritten.
A financial record is only useful when it can explain what changed, what produced each figure, and what the record cannot claim.
The record
Everything that defines the position.
The ledger brings accounts, assets, liabilities, income sources, and entity-held positions into one record. When an asset is held through an entity, the ownership percentage travels with it so the platform can distinguish the entity’s position from the portion attributable to you. Records may be supported by statements, appraisals, agreements, filings, or other documents—but uploading a document does not silently turn a self-reported figure into a verified one.
Values are dated entries with a stated method. A market quotation, appraisal, cost basis, owner estimate, or other method remains attached to the value it produced. If a value is wrong, it is not overwritten. The correction is a new entry. The history preserves what was recorded, when it was recorded, and what replaced it.
The engine
Six formulas. Versioned rules.
Every computed figure shows its work on screen: the included sources, the rule version that performed the calculation, and the exact time it ran. The number and its provenance travel together.
Total liabilities
Every included obligation, carried at its current recorded balance.
Net worth
Gross assets less total liabilities.
Liquid net worth
Included liquid positions less the liabilities assigned by the current rule.
Net worth excluding primary residence
The platform’s estimate using the current rule and your classifications.
Debt-to-asset ratio
Total recorded liabilities divided by gross recorded assets.
Status and snapshots
The label is part of the number.
Self-reportedValuation-estimatedStalePending
Status terms identify the evidence and limits behind a record. They do not disappear because a number looks precise. When you create a snapshot, the platform freezes the inputs, rules, and results into an immutable record. An input digest fingerprints that exact set; if nothing changed, an identical snapshot is not written twice.
The record is yours — exportable, deletable, never sold.