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The editable demo above contains generated sample data, not a real household’s records. Its dates move forward so the latest snapshot is yesterday, and its home currency adapts to your display settings. Its stored sample exchange rates are illustrative, not live historical market rates.
Try excluding property or pensions to see how the scope changes your totals. Edit balances or add a snapshot to explore the charts. Demo edits are temporary, cannot be exported and do not alter your saved document.
The fixed example below uses euros and US dollars so you can follow the arithmetic independently of changes to the demo above.
Assume €20,000 cash, $10,000 of investments, a €15,000 pension, a €200,000 home and a €120,000 mortgage. For this example only, $1 equals €0.90, so the investments convert to €9,000. This is an illustrative rate, not a market quote.
| Calculation | Result |
|---|---|
| Assets: cash + investments + pension + home | €244,000 |
| Mortgage, subtracted from assets | €120,000 |
| Net worth | €124,000 |
| Cash + investments, excluding property, pension and debt | €29,000 |
The last row is liquid assets, not total net worth: excluding the mortgage does not erase the obligation. Compare scopes deliberately, and keep the original balances in your records.