Bring the balances together
Review accounts, property, debt, income, and expenses in one household view instead of updating every plan separately.
Net worth tracking
Know where you stand.
See how far you’ve come.
Give your household one clear financial starting point. Keep balances up to date and follow the actual progress you record over time.
Net worth trackingInside MoneyWhatIf
See what’s possible
How is your financial picture changing?
Update the numbers that change, keep a dated record, and bring those current finances into your plans.
Read the detailed guideKeep your starting point current
Update balances and values by hand as they change, so the plans you build start from current figures.
Build a record of real progress
Track dated financial snapshots and add earlier entries by hand. History shows the figures you’ve recorded over time.
Explore the details
Choose the balance measure that fits the question
A household can hold wealth in property and retirement accounts while having a different amount available in liquid assets. Reports keep net worth, liquid worth, and after-tax worth separate across the projection. Comparing these measures helps connect today’s balance sheet with the kind of resources a future decision requires.
- Read the definitions before comparing totals.
- Separate a property-backed balance from cash and investment accounts.
Financial reportsInside MoneyWhatIf
From a question to a clearer picture
Keep one reliable picture of today
A projection is easier to trust when its starting point stays current. The household overview brings today’s figures together; History records how those figures change over time.
Gather the figures that change
Review account balances, property values, mortgage balances, other debts, annual income, and annual spending. Keep brokerage cost basis within the account balance. These household facts provide the common starting point for plans on the profile.
Update and save the household record
Edit rows or cards by hand when a balance, value, or debt changes. Review the changes and save your finances; edits stay unsaved until you do, so you can inspect them first.
Read the totals and the progress
Open a headline figure to see its contributing entries. Visit History to follow the dated record, compare a snapshot with the preceding entry, or add an earlier date by hand. Plans use the saved current figures for entries linked to the household.
Connect the whole plan
Follow today’s accounts into their possible future
Current balances provide a starting point; contributions, growth, and withdrawals describe what may follow. The Accounts view keeps the individual balances visible throughout the forecast. It lets you connect an updated financial entry with the future path of that account without confusing recorded history with a projection.
- Identify each account instead of relying only on the combined total.
- Review future assumptions when a current balance changes.
Account balancesInside MoneyWhatIf
One way to use it · illustrative scenario
Bring two retirement plans up to date
Imagine a household keeping a retirement-at-60 plan and a retirement-at-63 alternative. A new statement shows a different investment balance and a lower outstanding mortgage.
Try an example planThe choice to explore
Update those two figures once in the household overview, review the assets and owed totals, and save. Keep the retirement dates and other future assumptions inside their respective plans.
Where to look
Check the resulting net worth and its asset-versus-debt equation. Then reopen each plan to see its forecast from the corrected starting point, and inspect the new dated snapshot in History.
What you could learn
Both alternatives can be compared using the same current facts. History preserves the recorded household position while each projection continues to answer its own question about the future.
Make sense of what you see
Understand what the overview is counting
Assets and debt explain net worth
The screenshot separates Assets, Owed, and Net worth. Expanding Assets lists property and accounts with their shares. Opening Net worth shows the subtraction, making it easier to distinguish what is held from what belongs to the household.
Composition matters alongside the total
A family home, retirement account, and education account all contribute value, but they have different uses. The breakdown helps you see where the household’s wealth sits before exploring access and withdrawals in a plan.
Annual figures describe the current record
Annual income and spending summarize the entries on the household sheet. Left over is income minus spending before saving. Use the projection’s cash-flow view for the detailed effects of timing, taxes, and funding choices.
A little more detail
Good questions to start with.
Does History update continuously?
History records a snapshot when you save your finances, and you can add earlier entries manually. Saving again on the same day corrects that day’s row. The gaps between dates represent gaps in the recorded history.
Will editing a historical entry change my forecast?
No. Historical entries describe past snapshots and do not feed a plan. Update the current household finances to change the starting figures used by your forecasts.
How do I keep the figures current?
Update them by hand when a statement arrives or a value changes, then save your finances. Review property values, debts, and other estimates as well as account balances, since together they form the starting point for plans on the profile.
Keep exploring
The next piece of your picture.
Lifetime financial projections
Financial planning software to project income, spending, taxes, investments, and net worth year by year, then compare the choices that shape your future.
Plans, profiles & sharing
Organize household profiles and plans, then give the people you choose a read-only view.
Financial reports & exports
Review your financial plan in a readable report and export detailed annual projection and tax tables to explore the numbers behind your forecast.
Know the language
Financial terms behind this feature
Stealth WealthNet WorthAssetLiabilityInvestment PortfolioWealth TaxAmortizationFinancial Independence (FI)Home Equity
Browse all financial termsYour next chapter
Bring your own what-if.
Start with your numbers. See where they could lead.