Most net worth trackers are one more app to feed. In ColibriOS, net worth sits inside the books you already keep: connected bank balances refresh on their own, credit cards and loans count against you the way they should, the house and the retirement account get a line even though no bank feed will ever mention them, and a month-by-month chart shows whether the whole picture is moving the right way.
Whatever you choose, these are the things that decide whether the software carries the work or you do. The last column is the lowest ColibriOS plan that includes it; every plan contains the one before it.
| Look for | Why it matters | In ColibriOS |
|---|---|---|
| Bank balances that refresh themselves | A tracker you must feed by hand quietly stops being true. | Gather |
| Debts counted against you automatically | Leaving the credit card out is the oldest way to like the number more than you should. | Gather |
| Manual holdings for the house, the car and the retirement account | Most of many people's net worth never crosses a bank feed. | Gather |
| A month-by-month history chart | Direction matters more than any single day's total. | Gather |
| A hard wall between personal and business books | Your team and your accountant have no business in your household numbers. | Gather |
| Budgets, subscriptions and goals on the same data | Net worth is the scoreboard; these are the levers. | Gather |
Net worth is one honest subtraction, and the tracker keeps both sides of it. Every bank account in your books is counted at its current balance: checking, savings, and the accounts you import by statement. Credit cards, loans, mortgages and lines of credit are counted as what they are, money owed, so the number never flatters you. Connected accounts refresh through the bank feed on their own; an account you keep by hand runs on its opening balance plus its transactions, so it stays current as long as the books do.
A real net worth includes the house, the car, the retirement account at a custodian you never linked, and the personal loan from family. Add each one as a holding with a name and today's value, on the asset side or the debt side, and it joins the total and the chart. Holdings are counted at the value you gave them until you update it, and the page says so, because a number you entered eight months ago should not dress up as live data.
Today's total is the least interesting part of a net worth tracker; direction is the point. The chart walks your accounts back month by month, using each account's daily balance history where the bank provides one and the transaction record where it does not, and draws assets, debts and the net line across the past year. A quiet month looks quiet and a retreat season looks like a retreat season, because the same books that hold the business income feed the chart.
Net worth lives in your personal books, and personal books open for the workspace owner only. Your team sees none of it, and an accountant's read-only seat covers the business reports, not your household. Opening the personal side requires two-factor sign-in, the same rule that protects your bank connections. Business and personal stay two sets of books in one place: a card swipe that covered both can be split down the middle, and an owner draw shows up as a draw instead of a mystery transfer.
The tracker does not stand alone. Budgets run on both your business and personal books, recurring subscriptions are spotted for you, and savings goals track against real account balances instead of intentions. On the business side the same books keep invoices, bank feeds, receipts, mileage and a Schedule C report by line. Colibri helps you organize your income and expenses. It is not a tax preparer, accountant, or a substitute for professional tax advice, and it is not an investment advisor: holdings carry the values you give them, and nothing here recommends where money should go.
If you have no business to run, ColibriOS is the wrong purchase for a net worth number: a dedicated personal finance app such as Empower, Monarch Money or Kubera, or a spreadsheet you will actually maintain, does that job on its own. This tracker earns its place when you are self-employed and the swing in your net worth IS the business: the retreat that filled, the quarter you paid estimated taxes, the month the studio deposit cleared. If your business already lives in ColibriOS, your net worth is one tab away instead of one more subscription.
It adds up every bank account in your books at its current balance, subtracts credit cards, loans and other debts, and includes any holdings you add by hand, such as a house, a vehicle or a retirement account. A chart shows the month-by-month history for the past year alongside today's assets, debts and net total.
Yes, on Gather and up, through Plaid, with two-factor sign-in required. Connected accounts refresh their balances with each sync and keep a daily history the chart can use. Accounts you import by statement or keep by hand are counted from their opening balance and transactions.
Add them as holdings: a name, asset or debt, and today's value. They join the total and every month of the chart at the value you entered, and the page reminds you they only change when you update them.
No. Net worth lives in your personal books, which only the workspace owner can open, behind two-factor sign-in. An accountant's read-only seat covers business reports and receipts, never the personal side.
At the value you give them. A brokerage or retirement account is a holding you update, not a live market feed, and ColibriOS is not an investment advisor. If you want live portfolio tracking, a dedicated app such as Empower or Kubera does that better.
Net worth is part of the personal finance side, which is on the Gather plan at $297 a month, alongside bank connections, receipt reading, budgets, subscriptions and goals, and the whole business platform: events, courses, memberships, CRM, website and email. Every plan starts with a 30-day free trial, no credit card, month to month.
Because a self-employed person is a household and a business at once. The retreat that fills, the invoice that clears and the quarterly tax payment all move your personal picture, and when the same books hold both sides, the tracker updates itself instead of waiting for a Sunday-night data entry session.
If you only want a net worth number, compare dedicated trackers on their own sites: Empower, Monarch Money, Kubera, or a well-kept spreadsheet. If you are self-employed and already paying for booking, courses, email and bookkeeping separately, compare that whole stack against one subscription where the books and the net worth keep themselves.
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