A net worth tracker, and the ages of its numbers
A net worth figure is a sum of values that were each read at a different time and with a different confidence, so the useful version of the tool shows the age and the source of each part rather than one total presented to the penny.
Adding things up is not the hard part. The hard part is that the numbers you are adding were true at different moments, and the total hides that completely.
Start from a working app
Family Office
watches any set of public addresses and shows real on-chain balances, priced and rolled up per person, read-only with no custody.
Open the template
Every line has an age, and the total does not
A crypto price is seconds old. A currency rate is minutes old. A savings rate was published this morning. The value of a car is a guess from a website, and the value of a house is a guess from a year ago. Add them and you get a single number that looks equally certain in every part, which is the one thing it is not. A tracker that shows when each line was last read is telling the truth; one that shows only the total is not lying exactly, but it is letting you believe something false.
Deciding what counts is most of the design
Does an illiquid asset count at what it would fetch today or at what it cost. Does a pension count before you can touch it. Does a mortgage come off the top or sit as a separate line. None of these has a correct answer, and the trouble is that whichever you pick quietly defines what the number means. Write the rule down in the interface, because a person comparing this month with last month needs to know the rule did not change in between.
One currency, and the rate you used
The moment two currencies are involved, the total depends on a rate that moves, so the same holdings are worth different amounts at breakfast and lunch. Pick the mid rate, say that is what you used, and store it beside the value rather than recomputing it later. A tracker that converts silently on every view will show a change that came from the currency market rather than from anything you did, which is the most common way these tools mislead their owners.
Precision is not accuracy
Two decimal places on a six figure total implies you know the value to the penny. You do not: one of the lines is an estimate of a house. Round to the precision you actually have, or show a range. The instinct to print more digits comes from the arithmetic being exact, and the arithmetic being exact says nothing about the inputs.
What changed, and why, beats what it is
The number people actually want is the difference since last time and the reason for it. Did the total move because you saved, or because a market moved, or because you revalued the car. Those are three different facts about your month and a single total collapses them into one. Storing each line's history is what makes that separation possible, and it is a decision to make on day one because it cannot be reconstructed afterwards.
Live, right now, on this page
| Market | Price | Funding | 24h volume |
|---|---|---|---|
| BTC | $86,364.50 | 0.0013% | $522,866,341 |
| ETH | $2,750.85 | 0.0013% | $301,603,802 |
| SOL | $118.01 | 0.0013% | $94,709,358 |
| HYPE | $96.97 | 0.0013% | $3,938,323 |
Read from a live market as this page rendered, and stamped with the time it was read, which is the habit this page argues for. Read at 2026-09-23 02:12 UTC; accurate as of that time and not afterwards.
Start from a working app
Open, change it, publish your own
Aetherium
a multichain wallet dashboard showing your real on-chain balance across Ethereum and Base, with a live prices board.
Open the template
Working templates built around what this page covers. Open one, change it, and publish your own.
- Family Office
watches any set of public addresses and shows real on-chain balances, priced and rolled up per person, read-only with no custody.
- The Garden
a family portfolio with one garden per person, showing savings, a 15-year forecast and where the money is staked.
- Aetherium
a multichain wallet dashboard showing your real on-chain balance across Ethereum and Base, with a live prices board.
Common questions
What should a net worth tracker actually include?
Whatever you will keep updating, and nothing you will not. An illiquid asset valued once and never revisited quietly dominates the total and stops it meaning anything. The harder question is the rule you apply to each type, market value or cost, before or after debt, and the rule matters more than the choice because comparing months only works while it stays the same.
Why does my net worth change when I have not done anything?
Because some of the lines are priced by markets that move without you: a currency rate, a share price, a crypto holding. That is the tracker working rather than failing, and it is also why the useful view separates what you added from what the market did. A single total cannot tell you which of the two moved you.
How precise should the total be?
As precise as your least certain line, which is usually an estimate of something illiquid. Two decimal places on a six figure number implies knowledge you do not have. The arithmetic is exact and the inputs are not, and rounding to the precision you actually hold is more honest than printing digits the estimate cannot support.
See the number itself
Pages that read a live market and show what they read, updated while you look at them.
- Live FX rates, and the three prices people mix up, the rate that moves a total without you doing anything.
- Bitcoin price today, a line that is seconds old, beside lines that are months old.
- Gold and silver, live from a perpetual market, the metals line, and why a perpetual price is not the same as owning metal.
Related reading
All guides · Live market pages · Components · Make Mithril a preferred source in Google