Crypto budgeting · net worth
A crypto net worth tracker that also knows what you owe.
Your crypto net worth is every coin balance converted to one currency, plus cash, bank accounts and money owed to you, minus cards, loans at their remaining principal and anything you owe a person. Five lines, and you can do it by hand today. Most tools that call themselves net worth trackers are asset counters. They add up what you have and stop. But net worth is a subtraction, and for most people the thing being subtracted is a car loan, a credit card and the 400 euros a friend is waiting on. This page is about counting both halves when part of the money is on chain. There's a hand calculation first, in case that's all you came for.
Work out your crypto net worth by hand, in five lines
You don't need software for the arithmetic. You need it for the repetition. 1. Add up every crypto balance in one currency: exchange balances at today's price, wallet balances at today's price. Include the stablecoins. People forget the stablecoins. 2. Add cash and bank accounts. 3. Add money owed to you that you actually expect back. 4. Subtract card balances, loans at their remaining principal (not the original amount), and anything you owe a person. 5. That's the number.
Why the spreadsheet version dies
The usual build has a tab per place. Bank, Kraken, MetaMask, cash. You update it on a Sunday. It survives roughly two months. Three unglamorous reasons. Rates: the moment you hold anything in a currency other than your own, every historical row needs the rate of its own day, and nobody does that by hand. Transfers: move 600 USDT from the exchange to your wallet and a naive sheet counts it twice, once as an outflow that looks like spending and once as an arrival that looks like income. Fees: two dollars here, one there, and by December the sheet is off by an amount you can't find. None of that is hard for software. It's just tedious, which is exactly the kind of thing you shouldn't be doing on a Sunday.
What goes into the number here
Assets first. Bank accounts through open banking. Cards. Cash you type in, because cash is real and pretending otherwise makes the total wrong. Exchange balances in the top 25 coins, refreshed hourly. Wallets on BTC, EVM chains and TRON.
Then the other side, where most trackers stop short
Loans go in as liabilities at their real remaining principal, taken from the amortisation schedule rather than a number you guessed. IOUs go both ways: what you owe reduces the total, what you're owed adds to it. If you fronted 410 for a trip and three people haven't paid you back, that's an asset until they do, and it shows as one.
Everything converts to your base currency
Balances at today's rate. Past operations at the rate of the day they happened, which is what keeps the history chart from rewriting itself every time the dollar moves. If some currency has no rate available, a banner names what was left out rather than quietly rounding it into the total.
The transfer problem, solved once
This is the single most common way a multi-account number goes wrong. You withdraw 600 USDT from Binance to your own TRON wallet. Two events on two ledgers. If nothing links them, cashflow shows 600 out and 600 in, spending for the month is inflated by 600, the savings rate is nonsense, and a naive year-end calculation may treat the outbound leg as a sale. Orla recognises transfers between an exchange and your own connected wallets by their on-chain hash, links the legs and keeps the pair out of cashflow. The net worth doesn't twitch, because nothing happened to it. Nothing did happen to it. The tax side of the same question has its own page.
A number is not an insight
The dashboard puts a few things under the total, and they're more useful than the total. A history chart, so you see the shape rather than today's tick. Income, spending and net for the month against last month. Your savings rate. A 60 day forecast built from your recurring calendar, which is the one that changes behaviour: seeing the balance dip below zero around the 22nd is worth more than knowing your net worth to the cent. There's a breakdown by currency too, which matters a lot if you hold stablecoins while living on euros.
Where other tools beat us
Say it plainly. Kubera covers assets we don't touch: brokerage accounts, property, vehicles, collectibles, and it links a very large number of institutions worldwide (kubera.com/net-worth-tracker, checked 26.07.2026). If your net worth is mostly a house and a stock portfolio with some ETH on the side, it's the better tool and this page won't argue. Empower is free and strong on retirement and investment accounts in the US. CoinStats, Delta and similar trackers give you per-coin performance, allocation charts and DeFi positions. We don't do any of that, on purpose. What we do that they don't: the same ledger that produces the net worth also produces category budgets, a monthly report and a FIFO capital gains package. The number isn't a separate exercise from the budget. It falls out of it.
Five lines, by hand
Do that once and it takes ten minutes. The problem is next month.
13,220.00
18,760 of assets, 5,540 of debt. Plenty of crypto tools would show you 18,760 and let you feel great about it.
- Asset kinds
- Bank, card, cash, crypto (exchange balances and wallets)
- Liabilities
- Loans at real remaining principal, IOUs you owe
- Receivables
- IOUs owed to you, counted as assets
- Conversion
- Base currency. Balances at today's rate, past rows at their own day's rate
- Missing rates
- Named in a banner, never silently folded into the total
- Under the number
- History chart, 60 day forecast, savings rate, by currency, by member
- Transfers
- Matched by on-chain hash, excluded from cashflow
- Refresh
- Exchange balances hourly, banks from the provider, wallets on a schedule
- Not covered
- Brokerage, property, vehicles, DeFi positions
How do I calculate my crypto net worth?
Convert every coin balance to one currency at today's price, stablecoins included, add cash and bank accounts and money you expect back, then subtract card balances, the remaining principal on loans and what you owe people. The number you get is the whole of it. Doing it once is easy. Doing it monthly is what breaks, mostly on exchange rates and on transfers getting counted twice.
Does it work in a shared space?
Yes. A family space rolls up everything in it, and a personal account can be shared into the family space read-only so it counts toward the family total without moving. See Family and shared money.
Can I hide the numbers on a train?
There's a "hide balances" toggle in the app.
What about history from before I joined?
Import CSV history and it builds from there. The longer your imports reach back, the longer the chart line.
Is my data exportable?
The whole space downloads as a ZIP of JSON files: every account, transaction and invoice in machine-readable form. Reports also export as CSV per block and a monthly PDF.
Do you show per-coin performance?
No. That's a portfolio tool's job and we've deliberately stayed out of it.
Get the number without the Sunday spreadsheet.
Connect one account, then the second, and watch the total stop being an estimate.