Why track wealth continuously
A single balance sheet is a snapshot. A wealth tracker shows whether you are compounding or drifting.
Capitallytics combines banking, savings, debt, and portfolio value so growth is honest — including liabilities.
Planning without duplicate forms
FIRE and retirement views reuse the same expenses and investable balances. You do not re-enter a FIRE number by hand.
How the timeline stays honest
Each point on the timeline is a recorded snapshot of total assets minus total liabilities. The change shown next to today's figure is always today's total minus the most recent earlier snapshot in the same currency, so the starting figure plus the change always equals the total you see.
When the way net worth is calculated changes, for example a new asset type or a reclassification, older snapshots are not silently compared with new ones. The chart breaks the line and says the method changed on that date, and movement alerts only compare like with like. An alert appears when net worth moves by at least 1%, with larger moves of 5% or more marked as significant.
What moves your wealth
Three things change net worth from month to month: the money you keep after spending, the part of each EMI that repays principal, and changes in the market value of what you own. Moving money between your own accounts, or from savings into a SIP, changes where wealth sits but not how much there is.
Seeing these separately matters. A rising market can hide a falling savings rate for a long time, and a year of steady saving can look flat on the chart if markets fall. The tracker shows the total; the savings rate, debt and portfolio pages show which force did the work.