Net Worth Tracker
The single number that tells you whether your finances are moving in the right direction. Grove pulls it together from your accounts, investments, home, and debts โ automatically.
Net worth is the only number that matters long-term
Income tells you what's coming in this month. Spending tells you where it went. But net worth tells you the one thing you actually care about over time: are you building wealth?
A person earning $60K who saves 20% will outpace a person earning $150K who spends everything. Net worth is the scoreboard. Everything else is just inputs.
What Grove's net worth tracker does that spreadsheets don't
Auto-updates from statements
Import CSV or PDF statements and Grove updates your account balances automatically.
Tracks trends over time
Monthly snapshots show whether your net worth is growing, flat, or declining.
Handles complex assets
Home equity = value minus mortgage. Car equity = value minus loan. Grove does the math.
Drill-down to source
Click any number to see exactly which accounts and balances contributed to it.
Frequently asked questions
How do I calculate my net worth?
Net worth = what you own (assets) minus what you owe (liabilities). Assets include checking, savings, investments, retirement accounts, home equity, and vehicle value. Liabilities are credit cards, mortgages, student loans, and other debts.
What's a good net worth for my age?
Rough rule of thumb: by age 30, aim for 1x your annual income. By 40, 3x. By 50, 6x. By 60, 8x. These targets vary based on goals and location โ Grove just helps you track the trend regardless of target.
How often should I update my net worth?
Monthly is ideal. Quarterly is fine. Daily is probably too stressful and the day-to-day variance won't tell you anything. Grove recalculates automatically whenever you import statements.
Does Grove include my home and car in net worth?
Yes, you can add any asset: real estate, vehicles, investment accounts, collectibles. Grove tracks both the asset value and any linked debt (like a mortgage) to show true equity.
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