Add Your Home, Car, and Valuables to Your Net Worth

Your bank knows exactly how much cash you have. It has no idea you own a house worth $340,000, a paid-off car worth $18,000, or your grandmother's ring. For most households those uncounted things are the single largest part of their real wealth, and a net worth number that leaves them out is not really your net worth. It is just your checking balance wearing a fancier label.

A single-family home with a car parked in the driveway, two of the biggest assets most households own

WIMM's Net Worth page now has a real place for these. Alongside every account you have connected or entered, you can add manual assets: a home, a vehicle, a crypto wallet, jewelry, anything of value. Each one lands on the assets side of the ledger and lifts your net worth to the number that is actually true.

Add anything of value in about thirty seconds

Open Net Worth in the sidebar (or press g w), find the Assets section, and click Add asset. You give three things: a name, a type, and a current value. That is the whole required form.

The types cover the assets people actually hold: Real Estate for a home, land, or a rental; Vehicle for a car, boat, or motorcycle; Other Investment for a crypto wallet or a holding that does not live in a linked brokerage; Valuables for jewelry, art, or collectibles; Other Cash for cash on hand or an account WIMM cannot link; and a plain Other for everything else. Pick the closest one, type what it is worth today, and save. It shows up in the Assets list and your Total Assets and Net Worth update on the spot.

Gold jewelry and a watch laid out on a table, the kind of valuables a bank balance never shows

If you want, you can also record what you paid and when, plus a short note. Those fields are optional. The point is that a manual asset is meant to be fast to add, so nothing about your real wealth stays invisible just because it is not sitting in a bank account.

The value is always yours to revise

Every asset carries an Updated N days ago line right under its name. It is a quiet honesty check. Homes appreciate, cars depreciate, crypto does whatever crypto does, and none of it moves on the schedule a spreadsheet formula assumes. The freshness line tells you at a glance when you last touched a number, so you know which values are current and which are drifting.

A modern suburban house exterior, the sort of property value that drifts month to month and needs an occasional update

Updating is one click. Hit Edit on any asset, type the new value, and save. Your net worth re-figures instantly, and the dialog even reminds you what the previous value was so you can see the change you just made. When a Zillow estimate shifts or your car finishes another year of miles, you spend ten seconds keeping the number honest rather than pretending it never moved.

This is deliberately manual. WIMM is not guessing what your house is worth from a zip code, and it is not pulling a used-car quote you did not ask for. You decide the value, because you know your specific home and your specific car better than any automated estimate does.

Include, exclude, and no double counting

Every asset has an Include and Exclude toggle, exactly like debts do. Sometimes you want a valuable recorded for your own reference without it inflating the headline number, and excluding it keeps it in the list but out of the total. It is a one-click switch either way.

A person reviewing their finances on a laptop at home, deciding which assets to include in their net worth

There is a smarter guardrail on top of that. If a manual asset looks like it duplicates an account you already linked (say you added a manual "Savings" asset for a balance Plaid is also syncing), WIMM flags it and excludes it by default so it cannot be counted twice. You keep full control: if the flag is wrong, one click includes it anyway. The goal is a total you can trust, not a total that quietly counts the same money in two places.

Tip

Manual assets and linked accounts sit side by side in the Assets section, so your net worth is one honest sum: cash and investments WIMM syncs, plus the home and car and valuables you enter, minus what you owe.

How this compares

Paid apps like Monarch Money and Empower both let you add manual net worth items, and they do it well. The difference with WIMM is where the feature sits on the price list. Monarch runs about $15 a month. WIMM puts manual assets, the full net worth page, and its 6-month trend on the free tier, for everyone. Plaid's automatic bank sync is the Premium piece, because the per-bank refresh has a real cost, but a household that types in its balances by hand gets the exact same net worth math and the same asset tracking at no charge.

WIMM does not gate the truth about your own money behind a subscription. Adding your house to your net worth should not be a paywalled feature, and here it is not.

Try it now

The live demo loads a sample household so the Net Worth page is populated the moment it opens. Add a manual asset, watch the total move, then toggle it in and out of the number: app.wimm.money/demo, then click Net Worth in the sidebar (or press g w).