> ## Documentation Index
> Fetch the complete documentation index at: https://docs.budgetbandit.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Net Worth and Balance Over Time

> Track assets minus liabilities over time, and follow month-end balances for each account.

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.

## 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.

<Note>
  Net Worth depends on accurate account balances. If an account looks off, [reconcile it](/reconciling/reconcile-an-account) so the balance matches your statement before reading the trend.
</Note>

## 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](/accounts/fix-sync-problems).

## Account types decide the math

Net Worth treats each account as an asset or a liability based on its [account type](/accounts/account-types). If a balance is landing on the wrong side of the equation, check the account's type first.

## Related

<CardGroup cols={2}>
  <Card title="Account types" icon="layer-group" href="/accounts/account-types">
    How each type counts toward net worth.
  </Card>

  <Card title="Forecast and Debt Payoff" icon="binoculars" href="/reports/forecast-and-debt">
    Project balances forward and plan debt down.
  </Card>
</CardGroup>