Understanding Net Worth

Your net worth is one of the most important numbers in your financial life, and Findex calculates it for you automatically. It represents the difference between everything you own and everything you owe — giving you a clear, honest picture of your overall financial position.

Last updated About 1 month ago

How Net Worth is Calculated

Findex uses a straightforward formula:

Net Worth = Total Assets - Total Liabilities

  • Total Assets — The combined current value of every investment in your portfolio, including listed equity, real estate, crypto, cash, and everything else.

  • Total Liabilities — The combined balance of all debts and obligations you've added, such as mortgages, loans, and credit lines.

The result is your net worth — a single number that summarizes your financial standing.

[Image: The net worth summary on the dashboard showing total assets, total liabilities, and the calculated net worth figure]

Where to Find Your Net Worth

  1. Click Dashboard in the sidebar.

  2. Your net worth is displayed prominently at the top, alongside your total assets and total liabilities.

You can also see how your net worth has changed over time using the Net Worth Graph. For more on that, see Understanding the Net Worth Graph.

[Image: The dashboard view with the net worth section highlighted at the top of the page]

What Counts as an Asset

Everything in your Portfolio > Investments list contributes to your total assets. This includes:

  • Assets you added manually

  • Assets imported from a connected provider

  • IR assets managed by companies through the Findex IR Portal

Each asset's current value is converted to your preferred currency before being added to the total.

What Counts as a Liability

Everything in your Portfolio > Liabilities list contributes to your total liabilities. This includes:

  • Mortgages and property loans

  • Personal loans and credit lines

  • Any other debts or obligations you've added

Just like assets, liability values are converted to your preferred currency for consistent calculations.

Automatic Updates

Your net worth updates automatically whenever:

  • You add, edit, or remove an asset or liability.

  • A connected provider refreshes your asset values.

  • A company updates your IR asset valuation.

  • Forex rates change (for holdings in currencies other than your preferred one).

You never need to calculate anything yourself — Findex keeps the number current for you.

Tips

  • Add both assets and liabilities — Your net worth is only accurate if it reflects both sides. Don't forget to include mortgages, loans, and other debts.

  • Update manual valuations regularly — Provider-connected and IR assets update on their own, but manual assets rely on you to keep the current value accurate.

  • Track trends over time — A single net worth number is useful, but watching how it changes month over month is even more powerful. Check the Net Worth Graph for historical trends.

Need Help?

If you have any questions or run into something unexpected, don't hesitate to reach out. You can contact us at team@findex.se — we're happy to help!