How Total Worth Works
Total Worth gives you a single dashboard to track everything you own — real estate, bank accounts, and investments. Here's how to get started in under five minutes.
Getting Started
Open the Dashboard
Click "Open Dashboard" from the home page. There's no sign-up, no email verification, and no account to create. The app is ready to use instantly. Your data is stored in your browser's local storage and never leaves your device.
Add Your Fixed Assets
Navigate to the Fixed Assets tab and click "Add Asset." Enter your property details: a name (e.g. "3-bedroom apartment in Cluj-Napoca"), location, size in square meters, and purchase price. The app automatically calculates the price per square meter from your inputs.
Then add yearly valuations. For example, if the local market price was 3,000 EUR/sqm in 2025 and rose to 3,300 EUR/sqm in 2026, enter both values. Total Worth multiplies your property's area by the market rate to calculate its current value.
Track Your Cash Accounts
Go to the Liquidity tab and add each of your bank accounts. Select the currency (EUR, USD, or RON) and enter the balance for each year you want to track. Total Worth converts all accounts to your display currency using the exchange rates you configure in Settings.
This is especially useful if you hold savings in multiple currencies. See exactly how your total liquidity changes year over year, regardless of which currencies your accounts are in.
Monitor Your Investments
Switch to the Investments tab to add crypto, stocks, or index funds. For each investment, enter the symbol (e.g. BTC, SPY), the quantity you hold per year, and the price per unit per year.
For example, if you held 1 Bitcoin in 2025 and bought another in 2026, record quantity as 1 and 2 respectively. Enter the price at which you want to value each year. Total Worth shows your portfolio's total value and how it grows.
View Your Wealth Dashboard
Return to the Dashboard to see everything together. An interactive chart shows your total net worth over time, stacked by category: real estate in one color, cash in another, and investments in a third. Use the date range slider to focus on any period, down to the month.
Advanced Features
Multi-Person Profiles
Create separate profiles for each family member. Track wealth individually for each person, then switch to the Household view to see the combined net worth of your entire family. Each asset, account, and investment is tied to a specific person, so nothing gets mixed up.
Inflation Adjustment
Go to Settings and configure yearly inflation rates. The dashboard will then show two numbers: your nominal net worth and your real (inflation-adjusted) net worth. See exactly how much purchasing power you're gaining or losing each year. The app calculates cumulative inflation across multiple years automatically.
Date Range Filtering
The dashboard's bidirectional slider lets you select any date range with month-level precision. Filter from "Jan 2024" to "Sep 2025" to see exactly what happened during that period. All charts and totals update instantly based on your selection.
Currency Configuration
Choose EUR, USD, or RON as your display currency in Settings. All values across the entire app are converted accordingly. You can also edit exchange rates manually to match the rates that are most accurate for your situation.
Data Export & Import
Export all your data as a JSON file from the Settings page. Use this to create backups or transfer your data to another device. Import a previously exported file to restore everything instantly. The entire process happens in your browser — no data is uploaded anywhere.
Growth Analytics
The dashboard calculates percentage growth for each category between the start and end of your selected date range. See at a glance whether your real estate, cash, or investments grew faster. Identify trends and make informed decisions about where to focus your wealth building.
Practical Example
Imagine you want to track your wealth from 2025 to 2026. Here's what your data might look like:
Fixed Assets
- 3-bedroom apartment, Cluj-Napoca, 75 sqm
- Purchased at 80,000 EUR
- 2025 market rate: 3,000 EUR/sqm = 225,000 EUR
- 2026 market rate: 3,300 EUR/sqm = 247,500 EUR
- Growth: +10%
Cash Accounts
- USD account: 28,000 USD (2025 & 2026)
- EUR account: 20,000 EUR (2025) → 10,000 EUR (2026)
- RON account: 100,000 RON (2025) → 10,000 RON (2026)
- All converted to EUR at configured rates
Investments
- Bitcoin: 1 BTC (2025) → 2 BTC (2026)
- S&P 500: tracked by units and price per year
- Value = quantity × price per unit
The Dashboard chart would show all three categories stacked, revealing your total net worth at each point in time. You'd see the property appreciation, the cash drawdown (from 100k RON to 10k RON), and the investment growth from doubling your Bitcoin position — all in one unified view.
Frequently Asked Questions
What happens if I clear my browser data?
Your Total Worth data is stored in localStorage. If you clear your browser's site data, it will be removed. We strongly recommend using the JSON export feature regularly to create backups.
Can I use Total Worth on my phone?
Yes. Total Worth is fully responsive and works on mobile browsers. You can also install it as a Progressive Web App (PWA) for an app-like experience on your home screen.
Where do exchange rates come from?
Exchange rates are configured manually in Settings. You enter the rates you want to use (e.g. 1 EUR = 1.08 USD). This gives you full control and avoids any dependency on external services.
Can I track assets in currencies other than EUR, USD, and RON?
The current version supports EUR, USD, and RON. These three currencies cover the most common use cases for our users. Additional currencies may be supported in future updates.
Is Total Worth really free?
Yes, completely free. No premium tiers, no ads, no feature restrictions. Every feature is available to everyone at no cost.
Start Tracking in Under a Minute
No sign-up. No data leaves your browser. See your total worth today.
Open Dashboard