Net worth
The top of Bilance's Account tab answers the biggest question of all: what am I actually worth? Balances from your connected banks count automatically, and everything else — home, investments, pension, vehicles, loans — is tracked alongside them as assets and debts. One total: everything you own minus everything you owe.
How it works
Assets live in preset categories — cash & savings, investments, physical assets, pension, debts & loans — plus any custom ones; debts are simply negative-value assets. Connected accounts map themselves in: bank balances into cash & savings, credit cards into debts & loans.
Each asset picks one of four tracking modes, matched to how much detail it deserves. A single value is the default: one number, updated when it changes — right for a car or a home. Value over time keeps dated values so change is visible. Contributions-based tracks value plus deposits and withdrawals, so growth and own-money stay separate — right for a pension. Unit-based tracks bought and sold units with prices: cost basis, realized and unrealized gains — right for shares or crypto. AI Chat sees all of it, so "how is my pension doing?" is a question, not a spreadsheet.
Why one number matters
Day to day, money looks like a checking balance bouncing up and down — and that number says almost nothing about how you are really doing. Net worth shows the direction of your financial life: saving, investing and paying off the mortgage all push it up, even in months that felt expensive, while quiet debt growth pulls it down long before it feels like a problem.
It also makes the big questions concrete: whether there is really a buffer, whether the apartment deposit is within reach, how far away "I wouldn't have to work" actually is. Most people have never seen this number. Keeping it on screen, always current, changes how they think about money.
Honest limits
Investment values do not update from market prices automatically — you refresh them yourself, and a once-a-month update keeps the picture current. Bank balances update on their own.
Frequently asked questions
What counts toward my net worth in Bilance?
Everything you own minus everything you owe: connected bank balances automatically, plus assets you track — home, investments, pension, vehicles — and debts, which are simply negative-value assets. Credit cards from connected banks map into debts on their own.
Do investment values update automatically from market prices?
No. You refresh investment values yourself — a once-a-month update keeps the picture current. Bank balances do update automatically.
Can I track a mortgage or loan?
Yes. Debts are negative-value assets in the debts & loans category, so the mortgage sits in the same picture as the home it bought, and paying it off visibly pushes your net worth up.
See your number
Connect your banks, add what you own and owe, and watch the direction — not just the balance.
