Understanding Net Worth

Understanding Your Net Worth View

See the full picture of what you own and what you owe

Your net worth view in Lucky Friday adds everything up so you can see where you really stand financially It’s not just about spending — it’s about progress.

How accounts are included or excluded

By default all your connected and manual accounts are included in your net worth That means checking savings credit cards loans investments and any offline accounts you’ve added manually.

If there’s an account you don’t want to count in your net worth — like a shared card or an old savings account — just open the account settings and toggle Exclude from net worth Your balances and transactions will still be visible in your budget but they won’t impact your overall totals.

Adjusting for assets and liabilities

Want to add something like your car home or student loan balance You can do that manually just like a bank account Tap Add Account and choose Manual then set the type as an Asset or Liability

For assets use the current value.

For liabilities use the amount you still owe.

You can also update these manually over time if values change or add notes to keep track of appraisals or payoffs.

This gives you a realistic and customizable view of your actual net worth not just what the banks show.