A crypto net worth tracker that also knows what you owe

Most tools that call themselves net worth trackers are asset counters: they add up what you have and stop. But net worth is a subtraction, and for most people the thing being subtracted is a car loan, a credit card and the 400 euros a friend is waiting on.

You don't need software for the arithmetic. You need it for the repetition. 1. Add up every crypto balance in one currency: exchange balances at today's price, wallet balances at today's price. Include the stablecoins. People forget the stablecoins. 2. Add cash and bank accounts. 3.

Add money owed to you that you actually expect back. 4. Subtract card balances, loans at their remaining principal (not the original amount), and anything you owe a person. 5. That's the number.

The usual build has a tab per place. Bank, Kraken, MetaMask, cash. You update it on a Sunday. It survives roughly two months. Three unglamorous reasons. Rates: the moment you hold anything in a currency other than your own, every historical row needs the rate of its own day, and nobody does that by hand.

Transfers: move 600 USDT from the exchange to your wallet and a naive sheet counts it twice, once as an outflow that looks like spending and once as an arrival that looks like income. Fees: two dollars here, one there, and by December the sheet is off by an amount you can't find. None of that is hard for software.

It's just tedious, which is exactly the kind of thing you shouldn't be doing on a Sunday.

Assets first. Bank accounts through open banking. Cards. Cash you type in, because cash is real and pretending otherwise makes the total wrong. Exchange balances in the top 25 coins, refreshed hourly. Wallets on BTC, EVM chains, TRON and Solana.

Loans go in as liabilities at their real remaining principal, taken from the amortisation schedule rather than a number you guessed. IOUs go both ways: what you owe reduces the total, what you're owed adds to it.

If you fronted 410 for a trip and three people haven't paid you back, that's an asset until they do, and it shows as one.

Balances at today's rate. Past operations at the rate of the day they happened, which is what keeps the history chart from rewriting itself every time the dollar moves. If some currency has no rate available, a banner names what was left out rather than quietly rounding it into the total.

This is the single most common way a multi-account number goes wrong. You withdraw 600 USDT from Binance to your own TRON wallet. Two events on two ledgers.

If nothing links them, cashflow shows 600 out and 600 in, spending for the month is inflated by 600, the savings rate is nonsense, and a naive year-end calculation may treat the outbound leg as a sale.

Orla recognises transfers between an exchange and your own connected wallets by their on-chain hash, links the legs and keeps the pair out of cashflow. The net worth doesn't twitch, because nothing happened to it. Nothing did happen to it. The tax side of the same question has its own page.

The dashboard puts a few things under the total, and they're more useful than the total. A history chart, so you see the shape rather than today's tick. Income, spending and net for the month against last month. Your savings rate.

A 60 day forecast built from your recurring calendar, which is the one that changes behaviour: seeing the balance dip below zero around the 22nd is worth more than knowing your net worth to the cent. There's a breakdown by currency too, which matters a lot if you hold stablecoins while living on euros.

Say it plainly. Kubera covers assets we don't touch: brokerage accounts, property, vehicles, collectibles, and it links institutions worldwide. If your net worth is mostly a house and a stock portfolio with some ETH on the side, it's the better tool and this page won't argue.

Empower is free and strong on retirement and investment accounts in the US. CoinStats, Delta and similar trackers give you per-coin performance, allocation charts and DeFi positions. We don't do any of that, on purpose.

What we do that they don't: the same ledger that produces the net worth also produces category budgets, a monthly report and a FIFO capital gains package. The number isn't a separate exercise from the budget. It falls out of it.