Finary lets you view your wealth from three angles. The selector is available on the web app (at the top of the Home and Portfolio pages) and on the mobile app (at the top of your dashboard): click or tap the label of the active view (e.g. "Total worth") to switch between:
Total worth — All your assets, excluding liabilities.
Net worth — Total worth minus outstanding liabilities.
Financial assets — Liquid assets, excluding bank accounts.
On the web app your choice applies to the whole page: the headline amount, the evolution chart, the breakdown card and the table of your accounts and assets. The Liabilities tab becomes inactive when the selected view holds no liabilities — hovering the tab tells you which one (for example "Not visible in Financial assets view").
Total worth
Your total worth is the sum of your assets. Liabilities (your loans) aren't taken into account. No liabilities? Then your total worth equals your net worth, and we only show that figure.
Examples of assets: life insurance, a savings account, your main residence.
Net worth
Net worth comes from general accounting: it's the sum of your assets (what you own) minus the sum of your liabilities (what you owe). We only count the outstanding capital (not interest or insurance). This figure gives you your wealth net of loans.
Examples of liabilities: mortgage, student loan, tax debt, leasing.
ℹ️ Have loans and not sure how to add them? Follow the guide.
Financial assets
Financial assets, or liquid net worth, are the assets you can mobilize immediately: those you can sell at any time to get the funds back quickly. Illiquid assets like real estate or startups are excluded, as are your bank accounts.
Examples of included assets: PEA, life insurance, savings accounts, crypto.
ℹ️ Bank accounts, startups and real estate are not part of your financial assets.