Include assets that banks cannot see.
Keep homes, vehicles, land, collections, private companies, and other manually valued holdings beside accounts and investments.
Your full financial picture, privately tracked.See how
Real-world asset tracking
Track property and private assets beside the rest of your net worth.
Add real estate, vehicles, collectibles, crypto, business assets, private investments, and other holdings manually—then keep their values, currencies, and valuation dates inside one financial picture.
Make each estimate traceable.
A saved value carries a valuation date, while optional acquisition details and notes preserve the context behind the record.
See one combined financial picture.
Active asset values join cash, accounts, investments, and liabilities in the selected base-currency net worth total.
What it helps with
A clearer record of your financial picture.
Coverage
Use a category that matches the asset.
worthi supports vehicle, real estate, collectible, crypto, business asset, private investment, and other records. The category helps organize the dashboard without forcing unlike assets into a bank account or public-market holding.
Keep a primary home, rental property, land, or other real estate visible
Track vehicles, valuable collections, and unusual physical property
Separate business assets from private investment ownership when the distinction matters
Current value
Separate today's estimate from what you paid.
Current value is the amount included in net worth. Acquisition cost and acquisition date are optional reference fields. Keeping them separate prevents purchase price from silently standing in for a current estimate after the market or asset condition has changed.
Use current value for the balance-sheet snapshot
Preserve acquisition cost and date as historical context
Document the source or uncertainty in notes
Valuation history
Update deliberately instead of implying live precision.
When a current value or currency changes, worthi records a dated manual valuation and shows the latest valuation date. It does not scrape listing sites, order appraisals, or automatically revalue real-world assets.
Choose a repeatable valuation source for each asset
Refresh slow-moving assets monthly, quarterly, annually, or after a material event
Use a professional appraiser when the decision requires more than a personal estimate
Ownership and debt
Keep the asset and its financing logically separate.
Record only the ownership scope represented by the net worth statement. For a financed home or vehicle, the cleanest method is normally full current asset value plus the related outstanding debt as a separate liability. That produces equity through subtraction without counting it twice.
Apply one ownership percentage consistently to value and related debt
Use current loan balances rather than original borrowing
Do not add home equity after already recording both the home and mortgage
Currencies
Keep the asset in the currency it actually uses.
Each asset carries an enabled currency. worthi preserves that original amount and converts active assets for the selected base-currency total using date-based FX references. A fresh exchange rate does not make an old property or private-company estimate current.
Avoid maintaining a duplicate converted asset
Use one reporting currency for consolidated totals
Review both valuation age and FX-date limitations
Manual-first tradeoff
Control the estimate and accept the maintenance.
Manual entry makes it possible to include assets that have no reliable account feed, but the total is only as current as the values supplied. worthi does not provide appraisal, tax, lending, insurance, or sale-price guarantees.
No bank or property-platform credentials are required
Asset names and notes are protected with application-level encryption
Use specialist systems for audited, tax, insurance, or transaction valuations
Mark an asset inactive when it should remain on record but leave current net worth
Questions
Straight answers before you start.
What is real-world asset tracking?
Real-world asset tracking adds property and other holdings that may not appear in a bank or brokerage feed to a net worth record. Each asset needs a current value, valuation date, ownership scope, currency, and a consistent update method.
Which asset types can worthi track?
worthi provides categories for vehicles, real estate, collectibles, crypto, business assets, private investments, and other assets. The categories organize the record; the user still decides what belongs in the financial picture.
Does worthi value property, cars, or collectibles automatically?
No. Real-world assets are manual records. The user supplies and updates the value using an estimate, market evidence, statement, or professional valuation appropriate to the asset and purpose.
What happens when an asset value changes?
Saving a changed current value or currency records a dated manual valuation and updates the active asset's contribution to the consolidated net worth calculation. The Assets view shows the latest valuation date.
Should a mortgage or vehicle loan be subtracted from the asset value?
Use one consistent method. In worthi, the clearest approach is normally to record the full current asset value and keep the outstanding mortgage or loan as a separate liability. Do not also add equity as another asset.
What is the difference between acquisition cost and current value?
Acquisition cost records what was paid and is optional context. Current value is the estimate used in today's net worth. The two amounts can differ because of depreciation, appreciation, improvements, market conditions, or valuation uncertainty.
Can real-world assets use different currencies?
Yes. Each asset carries an enabled currency. worthi converts active assets into the selected base currency for the combined view, subject to the same date-based FX reference limitations as other mixed-currency records.
Keep exploring
Related net worth resources.
Start simple