My net worth looks wrong
Work through these in order — in most real cases, one of the first three explains it.
1. You’re looking at “liquid cash,” not total net worth
“Liquid cash”/“liquid net worth” is narrower than your total: bank cash plus brokerage settlement cash, minus short-term debt — excludes retirement accounts, property, and holdings on purpose. Comparing it against your total won’t match; see Net worth for what each band includes.
2. Unvested equity isn’t counted, and that’s deliberate
RSUs or similar that haven’t vested yet are excluded entirely — you don’t own them yet. Tracked and shown separately instead. See Net worth.
3. A price is stale
A holding’s value (and net worth built on it) is computed from whatever price last successfully fetched. See Prices aren’t updating.
4. You recently changed your base currency
Switching base currency converts account balances and transactions correctly (they carry their own currency), but not anything typed in by hand elsewhere — those numbers are simply re-read in the new currency. A manually entered target or estimate suddenly way off right after a switch — that’s why. See Base currency and FX.
5. A foreign-currency transaction’s value looks “off” from today’s rate
Expected, not a bug: a transaction’s base-currency value locks in at whatever rate was current the day you recorded it, not recalculated on every view. For a same-day entry that’s the same as the day it happened; for a backdated or late-imported one, it’s the rate at write time, not the rate on the transaction’s own date. Mentally converting an old transaction at today’s rate and it doesn’t match? The app is right — see the historical-rate lock.
6. An account’s starting balance or tracking-start date is off
Everything before an account’s tracking-start date folds into its opening balance rather than showing as separate history. Incomplete history or a wrong opening number? Check the account’s Starting Balance transaction — correct its amount or date directly. See Accounts and opening balances.
7. A transaction is miscategorized as the wrong kind
A transfer between your own accounts recorded as two separate expense/income entries (instead of one transfer) double-counts on your net worth math — extra spending on one side, extra income on the other, though nothing left your combined accounts. Check the transaction’s kind.
If none of these explain it
Open an account’s register and check individual transactions against your real statement — narrowing to one wrong transaction is far easier to diagnose (and to ask Lucius about) than chasing the headline total.