A total nobody can explain
Adding up account balances once a quarter gives a number. It does not say whether the change came from prices, savings, or one large expense, because those records live in different apps.
Use Cases · how to track net worth
How to Track Net Worth
How to track net worth so the total can be explained: list assets and liabilities, review cash flow in the same place, and compare periods. How 1cc.ai does it.
Build the total from records
Record assets, debts and cash flow in one place. Net worth is assets minus liabilities. Review its changes alongside balances, prices and account events, with incomplete valuations clearly identified.
From everyday records to long-term plans.
Cash, holdings, and spending in one account
1cc.ai values cash, investments and other assets, then subtracts credit-card balances, loans and other liabilities. Expense records are reviewed alongside the resulting net worth.
Prices move the total
Supported US stocks update in real time, so net worth changes with the market between reviews.
No export yet
1cc.ai does not currently export to CSV or Excel. Keep a separate spreadsheet if you need one for outside review.
From everyday records to long-term plans.
Assets and debts. One clear picture.
See net worth alongside cash, investments and other assets, minus credit-card balances and loans. Follow changes and open the records behind each total.
Make a plan for financial independence.
Set a FIRE goal from spending and investable assets. Compare contribution and return assumptions, adjust your plan and revisit the action after its review period.
Frequently asked questions
How often should I track net worth?
Monthly or quarterly. Shorter intervals mostly show market noise; longer ones make it hard to tell what changed.
What should net worth tracking include?
Cash, investments, debts where relevant, and the spending records that explain why cash moved.
Does 1cc.ai give net worth recommendations?
No. It records and reviews your figures. It does not give financial advice.