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Net Worth Tracking
What Is Net Worth?
Net worth is the total value of everything you own (your assets) minus everything you owe (your liabilities). It's the clearest single number to measure your overall financial health and progress over time.
How Cisti Finance Calculates It
Your net worth is the sum of:
| Asset Type | Included? |
|---|---|
| Bank and savings accounts | Yes |
| Investment portfolios | Yes |
| Pension funds | Yes |
| Property equity (value minus mortgage) | Yes |
| Cash and other assets | Via accounts |
Outstanding credit card balances and mortgage balances are subtracted automatically.
The Net Worth Timeline
The dashboard and Retirement pages show a chart of your net worth over time. Each data point is a monthly snapshot. The chart shows whether your overall wealth is growing — the trend matters more than any single month's number.
Improving Your Net Worth
Your net worth grows when you:
- Spend less than you earn (positive net cash flow).
- Pay down debt (mortgage, credit cards).
- Experience investment and property value growth.
Tips
- Aim to update all account balances monthly for an accurate snapshot.
- Don't be discouraged by short-term dips — investment values fluctuate normally.
- Focus on the long-term trend: is net worth higher than it was a year ago?