Dashboard & Analytics

The dashboard turns your snapshot history into an at-a-glance picture of your finances.

The three net-worth views

A single global toggle controls what you’re looking at:

This is one toggle, not three separate screens — flip it any time.

What’s on the dashboard

• Total net worth with the change versus the previous period.
• Sparklines — compact trend lines per metric.
• Snapshot streak — how many months in a row you’ve logged, plus badges you’ve earned (see below).
• Top movers — the accounts that changed the most.
• Allocation — how your assets are distributed, by category, by institution, and by asset class (see below).
• Savings split — how much of your growth came from contributions vs. market movement (requires logging contributions and/or an income proxy).
• Benchmark vs. the S&P 500 — where your net worth would be if the money you added had tracked the S&P 500 total-return index instead, plus whether you’re ahead or behind (Household plan; needs at least two snapshots).
• Insights — automatic callouts (e.g. unusual changes). You can dismiss an insight to hide it for a while.
• Ask your net worth — a plain-language Q&A over your own ledger (see below).
• Liquidity and Emergency Runway — how much of your money you could actually reach, and how long it would last (see below).
• Property Equity — your property value minus its linked mortgage (see Vault & Insurance).
• Net Worth Percentile — where you sit against an age benchmark (see below).

Advanced Analytics

WorthSync provides deeper insights into how your wealth is changing over time:

• Period-delta KPIs: Beyond just a total, see exactly how your net worth changed this month, quarter, or year with detailed sparklines showing the trend.
• Top Movers: Quickly identify the specific accounts that drove your net worth up or down the most during the selected period.
• Allocation Breakdowns: Understand your asset mix at a glance. See your wealth distributed by category (e.g., Cash vs. Investments), by institution, and by asset class (e.g., Equities vs. Fixed Income).
• Savings-Rate Splits: If you log contributions and an income proxy, WorthSync splits your growth to show exactly how much came from your own savings versus market movement.

Rearranging your dashboard

The dashboard isn’t fixed. Choose Customize in the header to enter edit mode, then:

• Drag a card by its handle to reorder it.
• Use the eye icon to hide a card you don’t need. Hidden cards keep collecting data — hiding only affects what you see.
• Reset to default puts everything back in the original order.

Choose Done to leave edit mode. Your layout is saved to your account, so it follows you to other devices.

Two things to know:

• Net Worth & Trend is marked Pinned. It stays at the top and can’t be hidden or moved — it carries the headline number, goal strip, period deltas, and the timeline chart as one unit. The goal strip scores your goal against whatever that goal actually tracks — one account, a category, or your whole net worth — see Goals.
• Cards with nothing to show yet are marked No data yet in edit mode and are simply skipped on the normal dashboard.

Liquidity and emergency runway

Not every dollar is reachable in a hurry, so WorthSync separates your money by liquidity:

Runway is those totals divided by the monthly essentials you set on the Emergency Fund page, shown in months. Each account’s liquidity label is inferred automatically and can be overridden on the account — see Accounts & Snapshots.

Net-worth percentile

The Net Worth Percentile card estimates where your net worth sits among comparable households in your age band, with your position marked on a 1st-to-99th scale, the top band you’re in, your cohort median, and what it would take to reach the next percentile milestone.

Two things make this different from most comparison tools:

• It needs your age, which you set in Planning. Without it the card just offers an Add age button.
• It is calculated inside WorthSync from your own ledger and a bundled public age benchmark. There is no external lookup, no upload, and no anonymized contribution of your numbers to a pool.

Treat it as directional, not precise. If you’d rather not see it, turn off Show percentile card in the Planning assumptions.

Snapshot streaks & badges

Because a manual tracker only works if you keep it current, the dashboard shows a streak — the number of consecutive months you’ve logged at least one balance. Miss a whole month and it resets; log within the current month (there’s a short grace period) and it keeps climbing.

You also earn badges as milestones land — your first snapshot, streak lengths (3, 6, 12 months), crossing net-worth milestones, and keeping every account up to date. The Log balances button jumps straight to quick entry so the streak is easy to keep.

Asset-class allocation & drift

Alongside the category and institution breakdowns, WorthSync groups your holdings by asset class (cash, equities, fixed income, real estate, crypto, vehicles, and so on). Most accounts are classified automatically, and you can override the class per account. The drift view shows how that mix has shifted over time — useful for spotting when you’ve drifted away from your target allocation.

Account freshness

Manual balances go stale, and a stale balance quietly distorts your net worth. So each account carries a freshness state:

A small data-health summary rolls these up so you can see at a glance how many accounts need attention. Monthly Review turns that list into a guided one-at-a-time catch-up — see Accounts & Snapshots.

Ask your net worth

The Ask card answers plain-language questions about your numbers — things like how your net worth changed over a period or which accounts drove it. It’s computed entirely from your own ledger and stays on-device/in-account; your financial data is not sent to an external chatbot. (Household plan.)

How periods are calculated

Because you can record snapshots on any date, WorthSync normalizes to the snapshot closest to each period boundary when computing month-over-month and period-over-period changes. At year-end, the prior 12 months collapse into a single year-over-year trend point to keep long histories readable.

You don’t need to do anything for this — it’s automatic. It does mean a brand-new account with only one snapshot won’t show a delta until it has history.

Tips for better analytics

• Backfill a year or two of statements to get meaningful trends right away.
• Log contributions to separate saving from growth.
• Set an income proxy in settings if you want a savings-rate percentage.
• Keep archived accounts instead of deleting them so historical totals stay intact.

Some advanced analytics and the monthly recap email are part of the Household plan. See Plans & Billing.