See your complete financial picture.
Dribs works out your net worth from the accounts you add yourself. It adds up your everyday, savings and investment accounts, subtracts what you owe on credit cards, and converts everything into one currency. A chart shows how the total has changed over time.
Net worth is what you own minus what you owe.
Add up the money in your accounts and the value of your investments, then subtract your debts. Followed month after month, that one figure tells you more about your progress than any single balance, because it captures saving, paying down debt and investment growth together.
Here's how Dribs would add up a simple set of accounts, with a euro ledger and one account held in US dollars:
| Account | Type in Dribs | Currency | Balance | In EUR |
|---|---|---|---|---|
| Everyday checking | Debit | EUR | €2,400.00 | €2,400.00 |
| Rainy day fund | Savings | EUR | €8,000.00 | €8,000.00 |
| Brokerage account | Investment Pro | USD | $5,000.00 | €4,300.00 |
| Credit card | Credit | EUR | −€650.00 | −€650.00 |
| Net worth | €14,050.00 |
Transfers between your own accounts, like moving €500 from checking to savings, change the individual balances but not the total. Spending, income and investment gains or losses do change it.
Four account types, any mix of currencies.
Dribs has debit, savings, credit and investment accounts. There are no dedicated loan, mortgage or property types yet.
Everyday and savings
Current and savings accounts, each with its own currency, opening balance and date; a debit account works for a cash wallet too. Group them however you like.
Credit cards count as debt
Card balances are subtracted from your net worth. Cards also get a billing day, statements, and Quick Pay to settle the balance from another account.
82 currencies
Each account keeps its own currency, and totals convert into your ledger's main currency with daily exchange rates.
You decide what counts
Leave an account out of your net worth, for example money you look after for someone else, without deleting it.
Your portfolio, next to your cash.
With Dribs Pro, an investment account holds positions in stocks, ETFs and funds. You record buys and sells with quantity and price, and Dribs keeps the average cost and books realized gains or losses when you sell.
Prices are entered by hand: edit an instrument's price once, and every account holding it updates. That's a deliberate trade-off. There's no broker connection and no live price feed, so you decide how often to update, whether that's weekly, monthly or whenever you check your broker. Crypto assets aren't specifically supported.
How the total stays up to date.
There's no bank feed, so your net worth moves when you record something.
Add accounts with an opening balance
Give each account its balance on a given date. Everything after that date builds on it.
Record what moves
Expenses, income and transfers update balances right away. Recurring transactions keep salary and rent current, and a CSV import catches up a whole month at once.
Watch the trend
The Total Wealth chart on the Accounts screen shows one week, one month, one year, year to date or all time. A Total Wealth widget can put the figure on your Home Screen.
Frequently asked questions
How exactly does Dribs calculate net worth?
It adds the balances of every account included in net worth, subtracts credit-card balances, and converts each account into your ledger's main currency using daily exchange rates. Investment accounts count at the prices you've entered.
Can I track a mortgage, loan or property?
Not as dedicated account types today. Dribs has debit, savings, credit and investment accounts, and only credit-card balances count as debts in the total.
Is net worth tracking free?
Yes. Accounts, the total wealth figure and its history chart are part of the free version. Investment accounts need the optional Dribs Pro subscription.
Keep reading
Know your number.
Add your accounts once, keep them current in a few taps, and see your whole financial picture on your iPhone.
