# Your net worth, from every account, in one place

Source: https://www.jayb.io/features/net-worth-tracker

Jayb is an AI budgeting app and money manager that keeps every account you have in one place and adds them up into your net worth. Banks, cash, wallets, credit cards, savings, investments and the people you've lent to or borrowed from all count. Home shows your net worth, its real 12-month history and the change since the 1st, split into the money in your accounts, what's owed to you, and what you owe.

## Every account

- Bank, cash, savings, investment, wallet, credit card, person and other accounts.
- Pick the bank or wallet, from Pakistan's banks (Islamic, microfinance and digital ones too) and wallets like Easypaisa, JazzCash, SadaPay and NayaPay, to Payoneer, Wise and PayPal. Its logo becomes the account's picture.
- The last 4 digits beside an account tell two accounts at the same bank apart.
- Totals per currency, and a switch to hide accounts at zero.

## A net worth you can trust

- Lending money doesn't lower your net worth: it's still yours, just with someone else.
- Saving into a savings or investment account stays in your net worth and never counts as spending.
- A credit card counts what you owe on it.
- Accounts in other currencies count at your own rate, or today's market rate.

## Balances that match the bank

- An opening balance is the balance on a day, so you enter what the bank shows now and only later entries change it.
- 'Update to actual balance' adds a visible adjustment for the difference. It's not income or spending, so budgets and reports ignore it.
- Check an account against its statement any time with Jayb AI.

## Closing an account

- Close an account on a day, with a warning if money is still in it.
- It leaves your lists and net worth from then; its history stays, and earlier months still count it.
- Closed accounts fold away at the end of the Accounts page, and can be reopened.

## How it works

1. **Add your accounts**: Tap your banks and wallets, and enter what each one shows today.
2. **Record as you go**: Every entry updates the balances and your net worth.
3. **Watch it grow**: Home shows your net worth, its 12-month history and the change since the 1st.
4. **Keep it accurate**: Check against statements, or update a balance to what the bank shows.

## Who it's for

- Anyone with money in more than one bank or wallet.
- Freelancers with money in rupee accounts and dollar accounts.
- People saving towards something who want to see the whole picture grow.

## Questions

### Does lending money lower my net worth?

No. Lending moves money from your account to a person's, so it still counts as yours until it's settled or let go.

### How are other currencies counted?

At your own rate for that currency if you've set one, otherwise today's market rate. The account shows which rule it follows.

### My balance doesn't match the bank. What do I do?

Send Jayb AI the statement to find the difference line by line, or use 'Update to actual balance' to add one visible adjustment.

### What happens when I close an account?

It leaves your lists and net worth from the day you choose. Its history stays, and you can reopen it.

## Related

- [Multiple currencies](https://www.jayb.io/features/multi-currency-expense-tracker.md)
- [Credit cards](https://www.jayb.io/features/credit-card-tracker.md)
- [Lend and borrow](https://www.jayb.io/features/debt-tracker.md)
- [Savings goals](https://www.jayb.io/features/savings-goals.md)