How to Track Net Worth in Notion (Complete Setup Guide)

Net worth is a single number that tells you where you stand financially: everything you own minus everything you owe.

Tracking it in Notion gives you a complete picture: cash, investments, property, and debt in one place. This guide walks through how to build it yourself.

The formula

Net Worth = Assets − Liabilities

Assets are things you own that have value:

• Cash in bank accounts
• Investment accounts (stocks, ETFs, crypto)
• Property (real estate, vehicles)
• Money owed to you

Liabilities are debts you owe:

• Credit card balances
• Loans (mortgage, car loan, student loans)
• Any other money you owe

The goal is to grow assets faster than liabilities.

Database structure

You need at minimum one database: Accounts. Each row represents a financial account.

Required properties

The Type property

Create a select property with these options:

Asset types:

• Cash (checking, savings)
• Investment (brokerage, retirement)
• Property (real estate, vehicles)
• Receivable (money owed to you)

Liability types:

• Credit Card
• Loan (mortgage, car loan, student loans)

The formulas

Is Asset formula:

if(
  contains("Cash Investment Property Receivable", prop("Type")),
  true,
  false
)

Net Worth Value formula:

if(prop("Is Asset"), prop("Balance"), -abs(prop("Balance")))

Now you can sum the Net Worth Value column to get your total net worth.

Setting up your accounts

Step 1: List everything you own and owe

Before touching Notion, make a list:

Assets:

• Bank accounts (check your banking apps)
• Investment accounts (brokerage statements)
• Retirement accounts (401k, IRA, pension)
• Property (home value, car value)
• Crypto holdings

Liabilities:

• Credit card balances
• Mortgage balance
• Car loans
• Student loans
• Personal loans

Step 2: Create your accounts

For each item, add a row:

The formulas handle the math. Your net worth appears as the sum of Net Worth Value.

Keeping balances current

Setting up the database is straightforward. Keeping it accurate is the real challenge.

Manual approach

Update balances monthly:

1. Log into each account
2. Copy current balances to Notion
3. Record the date you updated

This works but gets tedious with many accounts.

Transaction-based approach

Instead of updating balances directly, track transactions:

1. Create an Expenses database (money going out)
2. Create an Incomes database (money coming in)
3. Link transactions to accounts via a relation
4. Use rollups to calculate current balance from starting balance + incomes − expenses

This is more work upfront but keeps everything accurate automatically.

Investment values

Investments are tricky because their value changes with market prices.

Simple approach: Update investment account balances monthly when you check your brokerage.

Better approach: Track individual holdings (shares owned × current price) and sum them. This requires a way to update prices—either manually or via an integration.

For price updates:

Multi-currency considerations

If you have accounts in different currencies, you need to convert everything to one base currency for the total.

Simple approach: Convert manually when updating balances.

Better approach: Store native currency and exchange rate, calculate converted value with a formula.

Converted Value = Balance × Exchange Rate

Update exchange rates monthly (or use an integration that does it automatically). For the full setup:

A realistic example

Here's what a complete setup looks like:

Assets:

Liabilities:

Net Worth: $322,400

Tracking over time

Net worth is most useful as a trend. Record it monthly:

1. Create a Net Worth History database
2. Add properties: Date, Total Assets, Total Liabilities, Net Worth
3. Add a row at the end of each month

Over time, you'll see:

• Month-over-month change
• Year-over-year growth
• Whether you're moving in the right direction

What net worth doesn't tell you

Net worth is one number. It hides important details:

• Liquidity: A $500k house doesn't help if you need cash next week
• Cash flow: High net worth doesn't mean you can afford your lifestyle
• Risk: $100k in one stock is different from $100k in diversified funds

Use net worth as a high-level health check, not the only metric. For more detailed insights, use a dedicated financial dashboard or app.

Next steps

If you want to build this yourself:

• Start with the simple Accounts database
• Add transaction tracking when you're ready for more accuracy
• Consider integrations for investment prices

If you want it pre-built: