The Assets tracker is where you record what you own. It's separate from the budget on purpose: a savings account isn't a category, it's a place where money lives. Assets feeds the net-worth view in the Lab and powers savings-target, emergency-fund, and net-worth goals in Lab — Goals.
Open it
Go to Assets in the main nav.
Add an asset
- Tap Add Account.
- Pick a type:
- Checking / Savings / HYSA — everyday cash accounts.
- Brokerage — taxable investing.
- 401(k) / IRA / Roth IRA / HSA / 529 — tax-advantaged retirement and education.
- Real estate — primary residence, rental, land.
- Vehicle — car, RV, boat.
- Crypto — wallet or exchange balance.
- RSU — vested or pending equity.
- Other — anything that doesn't fit above.
- Enter:
- Account name and institution.
- Current value and valuation date — the date the value is accurate as of.
- Interest rate (if applicable).
- Tax-advantaged flag — check if it's a retirement-style account.
- Emergency fund flag — check to designate this account as part of your emergency reserve.
- Save.
Update a value
Asset balances don't auto-sync (we don't link to your bank). Update them on a cadence that makes sense:
- Cash and HYSA — monthly, when you reconcile your budget.
- Brokerage / retirement — monthly or quarterly.
- Real estate — once or twice a year.
To update, open the account, change the Current value and Valuation date, and save. The history is retained.
Notifications
On mobile, you can opt into a monthly reminder to update your asset balances. See Settings > Notifications.
Closed accounts
When an account closes, mark it closed instead of deleting. Closed accounts stop counting toward the net-worth view but stay in the historical record.
Linking transactions
When you log a transaction that's actually a transfer to a savings account (a paycheck split, a 401(k) contribution), link the transaction to the destination account. The account's balance moves automatically as transactions land.
Recurring contributions and the forecast line
For accounts you contribute to on a regular schedule — 401(k), IRA, Roth IRA, HSA, 529, brokerage, HYSA, savings, checking — you can record the contribution rate so the projected balance reflects it.
Open the account, click the edit (pencil) button, scroll to the Contributions section, and fill in:
- Your Contribution — amount, cadence (weekly, biweekly, semi-monthly, monthly, annually), and an optional percent (the percent is informational only — it doesn't drive any math). Optional Started On date if you want the projection to delay contributions until a future date (useful when you're modeling a job change).
- Employer Contribution — independent amount + cadence, available on the same set of accounts. The cadences don't have to match yours.
A live "Annualized" line shows what the cadence works out to per year. If your annualized employee contribution exceeds the IRS limit for that account type, a yellow warning badge surfaces both in the modal and on the asset card. The math doesn't cap anything — over-contribution is shown, not blocked, so the projection still tracks what you'd actually contribute.
After save, the asset card shows a Contributing stat (e.g. $500 / biweekly · $13k/yr you + $6.5k/yr employer). The "Show value history" chart adds a dashed forward extension that compounds the existing rate (interest or annual change) plus the contribution stream. The forward horizon matches the backward range you select with the 1M / 6M / 1Y / 3Y / ALL buttons (ALL is capped at 5 years to keep projections defensible without a salary-growth assumption).
Today the contribution config is purely informational + projection — it doesn't generate transactions or budget categories on its own. If you want the actual paycheck deduction reflected in your monthly budget, log a transaction and link it to the account as you do today.
Net worth
The Lab's Net worth section is just sum(assets) − sum(debt). Open the Lab to see the historical chart and the current snapshot.
Related
- Debt tracker — what you owe.
- Lab — Goals — set savings-target, emergency-fund, and net-worth goals on top of these accounts.
- Hank — ask "what's my net worth?" and Hank will compute it from the same data.