Everything you own minus everything you owe
Your bank balance only tells you half the story. Net worth is the complete view - what you own versus what you owe. Add your assets and liabilities once, then update them monthly. Takes less than two minutes.
- Current & savings accounts
- Investments (ISA, stocks, pension)
- Cryptocurrency
- Cash savings
- Car resale value
- Property equity
- Student loan balance
- Credit card debt
- Car finance
- Personal loans
- Overdraft
- Any other debt
Watch your number move over time
Checking your net worth once is interesting. Checking it every month is how you build real momentum. LiteWork Finance saves monthly snapshots automatically - so you always see where you started, where you are now, and the direction you're heading.
Even small movements matter. Going from -£15,000 to -£13,500 in a month is genuinely meaningful progress - even if both numbers feel bad on paper. The tracker shows you that movement clearly.
Automatic monthly snapshots
Take a snapshot and the app stores it alongside a timestamp. Over time you build a clear history of your financial trajectory - without doing any of the admin manually.
The earlier you track, the more valuable the data
Most people in their 20s have a negative net worth. Student loans, car finance, and a credit card balance can easily put you at -£20,000 to -£40,000. Tracking it means you can see it improve - and the psychology of watching a negative number shrink is genuinely motivating.
Questions about net worth tracking
Is the net worth tracker really free?
Yes. Net worth tracking is fully included in the free plan - no limits on assets, liabilities, or snapshot history. It's never paywalled.
Do I need to link my bank account?
No. You manually enter values yourself. This is intentional - it keeps your data private and means we never have access to your accounts or login credentials.
What counts as an asset?
Anything of financial value you own: cash, savings accounts, ISA/pension/investments, crypto, the resale value of a car or property equity. If you'd include it on a mortgage application, it counts.
What if my net worth is negative?
Completely normal - especially in your 20s with student loans. Tracking a negative number is far more useful than ignoring it. You can't improve what you don't measure.
How is this different from just checking my bank balance?
Your bank balance only shows cash. Net worth includes all assets and all debts - giving you a true picture of your financial position. Someone earning £60k with £50k in debt has a worse net worth than someone earning £30k with zero debt.
Know your number. Grow your number.
Free, takes two minutes to set up, and gives you the one metric that actually matters.
Start Tracking Free →