One number, and the line it makes over time.

Income tells you what arrived. Spending tells you what left. Net worth is the only measure that tells you whether any of it stuck. You can have a fine month on paper — under budget, no drama — and still go backwards because a card balance grew faster than your savings. One number, tracked over time, makes that visible in a way a stack of separate balances never does.

It is also the measure least distorted by a bad week. A single expensive month barely moves it. A year of small, consistent decisions moves it a lot. That makes it a much kinder thing to watch than a daily balance, and a much better answer to the question people are really asking when they open a finance app: am I heading in the right direction?

The catch is that a net-worth figure is only as good as its bookkeeping. Count a credit card twice and you look poorer than you are. Add up brokerage holdings on top of the brokerage balance and you look richer. Most of the engineering below exists to make those two mistakes structurally impossible rather than merely unlikely.

Everything begins with account balances. Checking, savings and payment accounts contribute cash. Investment accounts contribute investments. Crypto accounts and wallets contribute crypto. Credit cards and loans contribute debt. An account with a property-style subtype is tracked in its own bucket rather than being dumped in with your current account, because a house and a current account behave nothing alike.

Individual holdings — the specific funds, shares and coins inside an investment account — are then used only to refine the split. If part of a brokerage balance is actually crypto, that portion moves from investments to crypto. What holdings never do is add value: the total is still governed entirely by the account balance, which is why detailed holdings data can never inflate your net worth.

Liabilities are reconciled the other way. Card and loan accounts often arrive twice — once as an account with an amount owed, once as a liability record carrying the APR and the minimum payment. Both are matched on the underlying account, and the pair contributes a single figure to debt. Anything you have hidden is excluded from all of it.

Every time your accounts sync, feels.money recomputes your net worth and writes a snapshot for that date: total assets, total liabilities, the net figure, and the breakdown across cash, investments, crypto and debt. The record is keyed by user and date, so syncing six times in a day updates one row rather than creating six. The result is a clean daily series with no duplicated points and no gaps on days you actually used the app.

This matters more than it sounds. Institutions restate balances, pending transactions settle, and a holding's value is only ever accurate as of the moment it was read. Recomputing history from today's data would quietly rewrite your past every time something upstream changed. Storing the snapshot means the line you looked at last month is still the line you looked at last month.

The dashboard renders the last ninety days as a curve, with the 30-day change shown in both dollars and percent. Before there is enough history for that comparison to mean anything, it says so plainly instead of drawing a shape out of two data points. Alongside the curve sits your account mix — one chip per account type with its balance, and the logos of the institutions behind them.

Net worth answers “how much”. The investments view answers “made of what”. Holdings are normalized into six asset classes — stocks, ETFs and index funds, retirement funds, bonds, cash and crypto — and shown as an allocation you can read at a glance, with a table of individual positions beneath it.

Two things are called out because people consistently want to know them: whether any single holding has grown past a quarter of the whole portfolio — a concentration worth being aware of, not necessarily a mistake — and how your current mix compares with a target mix for the risk profile you chose during onboarding. Note that holding values only move when a sync lands: this is not a live-quote screen, and it is not trying to be one.

Every one of those is descriptive. The page explains what a term means and what your own numbers are; it does not tell you to buy or sell anything, and a standing note on the page says so. For decisions with real stakes — tax treatment, retirement timing, individual securities — talk to a professional who can see your whole situation. What we can do is make sure the numbers you bring to that conversation are correct.

The same figures feed your financial health score, where invested assets are weighed against annual income, and the coach, which reads the same context you see. Nothing in the app has a private set of numbers.

• It is only as current as the last sync. Market values are read at sync time, not streamed tick by tick. For a figure you review weekly that is the right trade; for intraday trading it is the wrong tool entirely.
• It cannot value what nobody reports. A car, a privately held stake, a collection — if no institution provides a balance, it is not in the number, and a made-up valuation would be worse than an honest omission.
• It cannot move anything. Connections are read-only. The tracker observes; it has no ability to trade, transfer, or pay, and there is no setting that grants it one.