Net worth
Net worth: what you own minus what you owe
Log spending by voice or from a receipt and keep category budgets; Amon also shows the bigger picture. Net worth adds up the cash on your accounts, your investment portfolios and assets such as a flat or a car, minus what you owe on credit cards, all converted into your main currency.
How net worth is calculated
Net worth = cash + investments + assets − debts. It is on the Investments tab, with each part on its own line.
- Cash: the balances of your accounts that are not archived. A credit card with a positive balance counts as cash.
- Investments: the value of your portfolio holdings plus the cash inside your portfolios. An account linked to a portfolio is not counted again as cash.
- Assets: things you add yourself, such as a flat or a car.
- Debts: what you owe on credit card accounts.
Assets: your own value or a depreciation estimate
- Enter a value, a currency and a valuation date yourself.
- Or choose depreciation: enter the purchase value, the purchase date, the useful life (1 to 100 years) and, optionally, a residual value.
- The value then drops evenly each full month from the purchase value to the residual value over the useful life (straight-line depreciation).
- Such an asset is marked “estimated by depreciation” and shows its assumptions: it is an estimate, not a market price.
Debts with a repayment schedule
- Add the credit limit, interest rate, minimum payment and payment day to a credit card account.
- The payment plan shows how many months repayment takes and the total interest; try an extra monthly payment to see the difference.
- If the payment does not cover the interest, Amon tells you the debt never ends.
- A debt payment can be split into principal, interest and fee.
Several currencies
- Accounts, portfolios and assets can be in different currencies. Net worth converts them into your main currency, the default currency in your settings.
- If an exchange rate behind the total is out of date, Amon shows “Exchange rate may be out of date” with the date of the rate.
- Net worth is calculated on our server with current exchange rates, so it needs a connection.
Capital at work
- Next to net worth, Amon shows how much cash is reserved for your savings goals, the monthly goal contributions, and what is available: cash minus the reserved amount.
Where Amon stops
- No bank connection: balances change when you add transactions by voice, by hand, from a receipt photo (Pro) or from a CSV import.
- Asset values are not looked up anywhere: you enter them, or Amon estimates them by depreciation.
- Net worth needs a connection; everyday budgeting works offline.
Pricing · AI features · Cash flow forecast · Family budget · Voice input · Privacy
Frequently asked questions
Is net worth free?
Yes. Net worth, assets with a manual or depreciation value, debts with a payment plan and one investment portfolio are part of the free Core. Pro adds more portfolios, market prices within coverage and refreshing prices on demand.
Is the depreciation value what my car is worth?
No. It is a straight-line estimate from the purchase value, the useful life and the residual value, and the app labels it as an estimate. If you know the market value, choose a manual value instead.
Does a shared workspace change my net worth?
Cash and debts include every account you can see, including accounts other members of your shared workspace added. Portfolios and assets count only for the person who added them.
Does net worth work offline?
No. It is calculated on our server with current exchange rates, so it needs a connection. Budgets, accounts and transactions work offline.