How to read your net worth

Understand the numbers on your Oinkly dashboard — total balance, net worth, investable net worth, property equity and the interest figures.

Your net worth is simply everything you own minus everything you owe. Oinkly works it out for you and shows it on the dashboard, then breaks it down so you can see where your money actually sits.

The headline figures

Accounts total is the combined balance of every account you track. Borrowing shows as a minus, because it's money you owe — that's deliberate, so the picture stays honest.
Average interest rate blends all your rates together, weighted by balance, so a big account counts for more than a small one. It's a truer figure than a simple average.
Projected annual interest estimates what you'd earn over the next year at today's balances and rates. It's a guide, not a promise, and it moves as your balances and rates change.

Net worth, and the useful version of it

Once you add assets and debts, the net-worth view splits things up so the totals mean something:

Total net worth — everything you own minus everything you owe.
Investable net worth — your net worth minus the equity in your main home. This is the wealth you could actually reach or invest, which is often the more useful number day to day.
Main residence equity — your home's value minus what's left on the mortgage.
Investment property equity — the same, for any rentals or second properties.

Watching it change over time

The dashboard shows recent movement, and the net worth history page keeps a record of snapshots so you can see the real trend rather than day-to-day noise. Checking once a month is plenty.

Good to know

If a figure looks off, it's usually one of two things: a balance that needs updating (because you enter them yourself), or the same money counted twice — for example a savings account also added as a manual asset. Oinkly warns you when it spots a likely double-count, and the reconciliation notices explain how to fix it.