Vehicles & Manual Assets

Not everything you own lives in a bank. Adding it by hand makes it count toward your net worth.

This article covers General Assets and Vehicles. The other manual types have their own guides: Real Estate, Holdings & Investments, Crypto and Stock Options & RSUs.

Start from either place:

• Tap the + button and choose Account/Asset.
• Or open Net Worth and use Add Asset.

Then pick the type. Choose General Asset for jewellery, art and collectibles, electronics, furniture, equipment or business assets, and Vehicle for cars, trucks, motorcycles or boats.

A General Asset asks for three things:

• Name - what it is, such as “Jewellery Collection”.
• Category - Jewelry, Art & Collectibles, Electronics, Furniture, Equipment, Business Assets or Other.
• Current Value - what it is worth today, in the currency you choose.

That value counts toward your total assets right away. General Assets have no linked loan and cannot be split with a partner.

A vehicle shows its full value on its card. If you owe money on it, the card also shows your equity - the value minus the loan balance. When you add one, you choose how to handle the loan:

• No loan - owned outright.
• Link a loan - attach an existing liability or a synced loan account you already track.
• Add a loan - enter the balance and lender by hand, with optional interest rate, term and monthly payment.

Either way, the loan becomes a normal entry in your credit cards and loans. The vehicle still contributes its full value to your assets and the loan is counted once as a liability, so your net worth stays accurate without double counting.

A vehicle you own jointly can be marked Split with partner, which counts half its value toward your net worth and shows a (50%) marker on the card. The same option on a car loan halves the balance, keeping your equity consistent.

It is not offered on General Assets. See Net Worth.

Manual assets do not revalue themselves. A General Asset or vehicle keeps the value you entered until you edit it. When you update one, Cadence records the change so it appears in your net worth history.