Net worth
Net worth is what you own minus what you owe. It sounds simple, but in practice it's scattered across bank accounts, brokers, pension plans, property and loans. netclariq consolidates it into a single figure that updates itself.
Net worth
€287,916
Assets
€493,312
Debts
€205,396
-€15,033 yr
Monthly savings
€1,393
33% of income
- Cash€20,030
- Investments€28,228
- Real estate€424,718
- Vehicle€20,337
- Debts-€205,396
Everything that adds up and everything that's owed, in one place
You record each item once and the dashboard does the rest. Account balances are calculated from your transactions, investments are valued at market prices, and debts subtract the real outstanding principal from their amortization schedule.
- Checking, savings and cash accounts
- Portfolios of stocks, funds, ETFs and crypto
- Property, vehicles and other assets with editable valuations
- Mortgages, loans and personal debts
Monthly history and progress
Every month-end close is recorded, so you can see whether your net worth is growing from savings, revaluation, or debt repayment. The chart splits assets and liabilities to show exactly where the change comes from.
Personal and shared workspaces
You can keep your personal finances and your household's in separate workspaces, with the same modules and fully separate data. Invite someone else and decide whether they can edit or only view.
Frequently asked questions
- Do I need to connect my bank?
- No. netclariq never asks for bank credentials: you enter transactions manually or import them from a file, so your real accounts are never exposed.
- Can I include real estate?
- Yes. Assets such as property or vehicles are recorded with a valuation you can update at any time, and any linked mortgage is automatically subtracted from your net worth.
Keep exploring
- Budgeting
Planned vs. actual by category, with yearly planning and variance alerts.
- Investments
Portfolio valued at market price, per-asset IRR and FIFO gains ready for tax time.
- Debts & loans
Real amortization schedules and simulated interest and term savings.