Starting out
Watch your net worth go from negative (student loan) to positive, month after month.
Net Worth
Calculate your net worth and watch it grow
Savings, property, car and investments on one side; loans and debts on the other. Ecomely calculates your net worth and shows how it changes month after month. A clear view, so you can make decisions with peace of mind.
Free, no credit card, no commitment.
- Free and private
- Updated with your loans
- Goal and history
The essentials
- 01
Assets and liabilities
Savings accounts, property, vehicles, investments and valuables, with loans and debts on the other side.
- 02
Automatic calculation
Your net worth updates with every loan payment or new asset.
- 03
History
Month-by-month changes, so you can see how far you've come.
- 04
Goal
Set a net worth goal and track your progress.
What is net worth?
Net worth is the difference between what you own (your assets) and what you owe (your liabilities). Assets include your savings, your investments, the value of your home if you own it, your vehicles and your valuables. Liabilities cover your mortgage, your consumer loans and all your debts.
It's the most honest indicator of your long-term financial health: a high salary with lots of loans can mean a low net worth, while a modest, well-managed income can build wealth that grows steadily.
Assets
Everything you own that has value.
Liabilities
What you still have to pay back.
How to calculate your net worth
The math is simple: net worth = total assets − total liabilities. For example, with €12,000 in savings, an apartment valued at €210,000 and a car worth €9,000 on one side, and a €150,000 mortgage plus a €6,000 car loan on the other, your net worth is €75,000.
The hard part isn't the math, it's keeping it up to date: every month your loan goes down, your savings shift and your car loses value. Ecomely does the tracking for you, based on the details you've entered.
Track the trend, not just the snapshot
A single number at one moment in time doesn't say much. What matters is the trend: is your net worth growing every year? Ecomely keeps a month-by-month history and shows you the curve. You see the real impact of every loan payment, every deposit into savings and every big purchase.
You can also set a goal (build an emergency fund, save for a down payment, reach a target amount by 40) and track your progress.
Connected to your budget and loans
Net worth isn't a standalone module: loans tracked in Finances go down automatically with each payment, your savings Money Pots go up with every deposit, and your debts show up as liabilities. Everything stays consistent, with no double entry.
You can share an image of your net worth (without the detailed amounts if you prefer) or keep it all strictly private.
Private, free and hosted in France
Your net worth is sensitive information. It stays in your Personal Space, hosted in France, never sold or used for advertising, and no bank connection is required. Net worth tracking is free.
Discover your net worth in minutes Create your free account, add your assets and loans, and Ecomely does the math.
Create my free accountGrowing your net worth: 5 principles
No investment advice here, just the common-sense principles shared by most people who build wealth.
Build an emergency fund first
Three to six months of expenses in an easy-access account: that's what keeps you out of debt when the unexpected hits.
Pay off expensive debt first
A high-interest consumer loan often costs more than your savings earn. Paying it off grows your net worth.
Save automatically
A scheduled transfer right after payday, even a small one, works better than saving whatever's left at the end of the month.
Check in regularly
A review every month or every quarter is enough to see the trend and stay motivated.
Get advice for big decisions
Buying property, investing, estate planning: an independent professional will help you decide with full knowledge of the facts.
How it works
- 1
Create your free account
No credit card needed, in 30 seconds.
- 2
Add your assets
Savings, home, vehicles, investments.
- 3
Add your loans and debts
They go down automatically with each payment.
- 4
Track your net worth
Month after month, with a goal if you like.
Who is it for?
Homeowner
Track how much of your home you truly own as your mortgage goes down.
Saving to buy
See your available down payment and how far you still have to go.
Planning ahead
A long-term goal and a curve that keeps climbing.
The Ecomely apps for this
Frequently asked questions
How do I calculate my net worth?
Net worth = the total of what you own (savings, property, vehicles, investments) − the total of what you owe (loans, debts). Ecomely does this calculation automatically.
Should I include my main home?
Yes, at its estimated value, with the remaining mortgage counted as a liability. It's often the biggest part of your net worth.
Is net worth tracking free?
Yes, it's part of the Finances module, free with no time limit.
Do my loans update on their own?
Yes: with each scheduled payment, the remaining balance goes down and your net worth is recalculated.
Does Ecomely give investment advice?
No. Ecomely helps you track and understand your situation, but it doesn't replace a financial advisor.
Who can see my net worth?
No one but you: it stays in your Personal Space, unless you choose to share an image.
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Discover your net worth in minutes
Create your free account, add your assets and loans, and Ecomely does the math.
Free, no credit card, no commitment.