Net Worth

Each type has its own fields, tailored to what actually matters for it:

Debts are added separately, through Credit or Loan in the same menu. A mortgage or auto loan can be linked to the property or vehicle it belongs to. Linking groups them together in the list but does not change your net worth, because the asset still shows its full value and the loan still counts as its own liability.

Holdings show on the Wealth page, in sections of their own on All and on their own under Holdings - whether you typed them in or they came from a Synced Investments brokerage connection - and by default they are not added to your net worth. That is true of both kinds.

An investment or retirement account already counts through its balance, so adding the securities inside it on top would count the same money twice. A $50,000 RRSP contributes $50,000 whether or not you also list the three ETFs inside it. The holdings give you the breakdown and the gain or loss; the account balance is what moves the number.

Synced credit cards and loans appear as liabilities and their balances update automatically as your accounts sync. As a loan balance falls, your net worth rises.

A synced card brings across its balance, available balance and credit limit - and nothing else. See Credit Cards & Loans for what is not retrieved and what you can record yourself.

If you own something jointly, tick Split with partner when adding or editing it. Cadence Money then counts half its value toward your net worth, and the card shows a (50%) marker so it is obvious why the figure is lower than the asset’s full worth.

The option is offered where joint ownership is common: on properties and vehicles, and on mortgages and car loans. It is not available on credit cards, lines of credit or other manual assets.

When an asset and its loan are both split, both halve, so your equity stays consistent. It is always exactly half - there is no way to set a different share - and it changes only what the asset contributes to your net worth. Your transactions and budgets are untouched, so a mortgage payment still counts in full against your spending.

A bar at the top of the Wealth page switches between five views:

• All - your net worth with its 30-day change, an allocation bar you can tap to inspect a slice, a Breakdown list, then everything you own and owe grouped by type, with your holdings in sections of their own.
• Accounts - your bank and investment accounts, such as chequing, savings, TFSAs and RRSPs, headed by their total.
• Assets - everything else you own, such as property, vehicles, crypto and stock options, plus any holding you have switched into your net worth. An account shows under Accounts, not here.
• Liabilities - narrowed to what you owe, headed by your total debt.
• Holdings - your portfolio on its own, with its allocation bar and every holding grouped by type.

The sections are yours to arrange. Tap Customise at the bottom of All to open Customise Layout - one draggable list holding every section on the page, assets, debts and holding types alike. Drag them into the order you want, then Save. Cancel throws the change away, and Reset to Default puts the original order back.

The Holdings view has its own Customise for the holding types. The two share one order, so moving ETFs above Stocks in either sheet moves them in both views.

Every value you record is captured as a snapshot, so the net worth chart reflects how things actually moved rather than freezing at whatever you first entered. That is why it is worth updating manual asset values occasionally - a car left at its purchase price flattens a real trend.

The longer view, including a category breakdown and a holdings gain/loss chart, is in Explore, on its Wealth tab.

When you no longer own something, archive it rather than deleting it. The asset stops counting toward your net worth from that point on, and the history it already built stays in the chart - see Archiving.