Net worth
Your net worth is never stored as a number — it’s computed fresh every time, from your real accounts and holdings, converted into your base currency. Nothing to recalculate by hand, nothing that can go stale.
What adds up to it
- Every account balance — cash accounts add, credit cards and loans subtract (they’re tracked as liabilities, not negative cash).
- Every market position — the current value of your equities, crypto, commodities, and any option positions you hold, at last-known price.
That’s it: assets plus market holdings, minus liabilities, all in one currency.
“Cash” is narrower than it sounds
Open Net Worth splits cash into two bands on purpose — lumping them together used to mislabel real money:
- Cash — strictly bank-type accounts (checking, savings, e-wallets, money market): money sitting still, doing nothing.
- Brokerage cash — settlement cash inside a brokerage or crypto-exchange account, including a negative balance if you’re on margin. Deliberately not counted as plain “cash” — idle brokerage cash and drawn margin debt behave differently from checking-account money, and mixing them made both harder to reason about.
Your liquid net worth — the runway/emergency-fund figure — is bank cash plus brokerage cash, minus short-term liabilities like credit card balances. It excludes retirement accounts, property, and anything else you can’t turn into spendable cash quickly.
That’s a different figure from the broader cash total used for budgeting math (Ready to Assign and monthly runway), which counts brokerage cash and nets out margin debt as a real claim on your spendable pool — borrowed money genuinely reduces what you can spend, even before you sell anything.
What’s excluded, and why
Unvested equity compensation is not counted in your net worth. Granted RSUs (or similar) that haven’t vested yet are tracked and shown to you, but kept out of the headline number, reported separately. The reasoning: you don’t own it yet — leave your job today and unvested equity is forfeited, so counting it would overstate what you actually have. The moment a grant vests, it moves into your regular holdings and counts like everything else.
Equity compensation is a beta area of the app — grants and vesting are tracked, but this feature area hasn’t been hardened the way accounts, budgeting, and core investment tracking have. Treat equity-comp figures with more caution than the rest of your net worth.