Blog
Guides for tracking your net worth
Practical, plain-language articles from the person building NetWorthy.
Your FIRE Number: How the 4% Rule Works, and Its Limits
How to calculate the amount you'd need to retire early, where the 4% rule comes from, and why many early retirers plan with 3 to 3.5% instead.
· 3 min read
How Often Should You Track Your Net Worth?
Daily is too often, yearly is too rare. Why monthly works for most people, when quarterly is enough, and what to look at each time.
· 2 min read
How to Value Gold in Your Net Worth (Bars, Coins and Jewellery)
A simple formula for valuing physical gold by weight and karat, why jewellery is worth less than its price tag, and how often to update the figure.
· 3 min read
Is My Portfolio Diversified? Five Checks You Can Do Yourself
Diversification is more than owning several funds. Five simple checks for concentration in single stocks, countries, currencies, asset classes and your employer.
· 3 min read
Kubera Alternative: When NetWorthy Fits Better (and When It Doesn't)
An honest comparison of Kubera and NetWorthy for tracking net worth, covering price, bank syncing, statement import and what happens to your accounts when you die.
· 3 min read
Tracking Net Worth Across Multiple Currencies
If you hold money in euros, dollars, pounds or Egyptian pounds, exchange rates can move your net worth more than your savings. How to pick a base currency and read the numbers.
· 3 min read
Net Worth Spreadsheet vs App: Which Should You Use?
Spreadsheets are free and flexible; apps save time and price your investments automatically. The trade-offs, and a simple way to decide.
· 2 min read
Should You Count Your Home in Your Net Worth?
Yes, but value it carefully and track a second number without it. How to estimate your home's value, handle the mortgage and avoid overstating what you're worth.
· 3 min read
How to Make Sure Your Family Knows What You Own
If something happened to you tomorrow, could your family find your accounts? A practical checklist, and what a net worth list can and can't replace.
· 3 min read
How to Track Your Net Worth Without Linking Your Bank Accounts
You don't have to hand your bank password to an app to know your net worth. A manual-first method takes about ten minutes a month.
· 3 min read