Before you start
Use Net Worth as your first stop when you open a portfolio. It shows the visible balance sheet: assets, liabilities, net worth, review alerts, allocation, liquidity, currency exposure and the largest records driving the total. Held Away stays excluded until you explicitly include it.
Detailed steps
Open Net Worth and confirm the active portfolio
Open Net Worth from the left navigation. Check the portfolio name before reading any number. The top cards show net worth, assets, liabilities and Capital Review count. Net worth is assets minus liabilities for the visible portfolio data.
Read the cockpit overview before drilling into records
Use the overview to understand the big picture: accessible value, locked capital, largest allocation and main currency. This tells you whether the portfolio is cash-heavy, real-estate-heavy, debt-heavy, concentrated or exposed to a currency you should review.
Open Assets to see what drives the asset total
Switch to the Assets chart tab when the asset total needs explanation. Use it to see which asset classes dominate the balance sheet. If one asset class is unexpectedly large, open Assets or the Largest positions table before trusting the allocation.
Open Debts to check liability pressure
Switch to Debts when liabilities materially affect net worth. Mortgage, loan and credit-card balances reduce net worth and can change Forecast. If debt looks wrong, open Debts and verify balances, rate, payment and maturity.
Open Liquidity to separate accessible value from locked capital
Use Liquidity to understand what can realistically become cash. Daily or monthly liquidity is different from locked real estate, private assets or collectibles. Do not treat locked value as spendable just because it appears in net worth.
Inspect Largest positions, Access profile and Exposure
Scroll to Largest positions and the lower panels. The table shows the records driving the dashboard; Access profile summarizes liquidity; Exposure shows currency concentration. Use this section to decide what to add, edit, verify or open in Capital Review.
Field guide
Visible assets minus visible liabilities.
If the number surprises you, check Assets, Debts and Held Away status.Total visible asset value in the selected portfolio.
Open Assets when the total needs record-level review.Total visible debt and credit exposure.
Open Debts when a mortgage, loan or card balance looks stale or missing.Count of open review items or portfolio checks.
Open it before making decisions from incomplete or flagged data.Daily or monthly liquidity shown in the dashboard.
This is closer to available capital than total net worth, but still needs context.Value that is harder or slower to turn into cash.
Real estate and private assets can be valuable but not immediately spendable.The asset class with the biggest visible exposure.
Use it to spot concentration risk quickly.Currency with the largest visible exposure.
Open Currency when FX exposure matters.Decision rules
What it adds
- Creates one reconciled view of the current capital structure.
- Highlights where wealth is concentrated by asset class, currency and liquidity.
- Gives a fast route into Capital Review when records need attention.
What it does not do
- It is a portfolio operating view, not audited financial statements.
- Values depend on the latest manual, imported or market-refreshed records.
- Held Away details stay protected unless private mode is unlocked.
Common mistakes
What to check
- Check valuation dates before making decisions from stale private assets.
- Net worth can move because of FX, market price, manual edits, debt changes or imported transactions.
- Use exports carefully when private Held Away assets should remain excluded.
Reading net worth without checking the active portfolio.
Assuming Held Away is included when the banner says it is protected.
Treating locked property or private assets as available cash.
Ignoring liabilities because the asset total looks high.
Using dashboard totals without opening Capital Review when review items exist.
Confusing currency exposure with portfolio base currency.
Assuming manual values are current without checking valuation dates and sources.
After you save
- Open Assets when an asset value needs explanation.
- Open Debts when liability totals need explanation.
- Open Capital Review when review items are visible.
- Use Add Capital Item or Import Statement when the dashboard is incomplete.
- Review liquidity before treating net worth as available budget.
- Keep Held Away protected unless you intentionally need private values visible in this session.