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Two reports answer “is the overall picture improving.” Net Worth is the single number: everything you own minus everything you owe. Balance Over Time breaks that into per-account month-end balances so you can see which account drove the change.

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Net Worth

Open Reports, then Net Worth. It adds up your asset accounts (checking, savings, cash, investments) and subtracts your liability accounts (credit cards, loans) to give you a net figure, tracked over time. This is the report the question chooser opens for “How am I trending?” Use it to:
  • Watch the long arc rather than a single month.
  • See debt come down as a credit card or loan balance shrinks.
  • Confirm that saving is moving the headline number, not just shifting money around.
Net Worth depends on accurate account balances. If an account looks off, reconcile it so the balance matches your statement before reading the trend.

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Balance Over Time

Open Reports, then Balance Over Time. It shows month-end balances for each account, so you can see exactly which account moved. Use it to:
  • Trace a dip in Net Worth back to the account that caused it.
  • Watch savings climb month over month.
  • Spot an account that stopped updating — see Fix sync problems.

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Account types decide the math

Net Worth treats each account as an asset or a liability based on its account type. If a balance is landing on the wrong side of the equation, check the account’s type first.

Account types

How each type counts toward net worth.

Forecast and Debt Payoff

Project balances forward and plan debt down.