Free + Premium
Net worth tracking
Lipi adds your assets (gold, land, shares) to your account balances and shows one net worth number on the dashboard. Loans are shown separately.
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Problems it solves
- My money sits in banks, wallets, gold and shares, and I never see the total.
- I cannot tell if I am getting richer or only moving money around.
- I want my net worth on the first screen, not in a spreadsheet.
What it is
Net worth tracking in Lipi gives you one number on the dashboard: your assets total plus the balance of every active account. Gold, silver, land, shares and retirement funds come from the Assets page. Cash, bank, wallet and card balances come from your accounts. It handles gold by the tola, NEPSE shares and accounts in any currency.
What problem it solves
Your wealth is spread across places that never talk to each other. A bank app shows only its own balance. Lipi adds it up for you, so you can see the real total and watch it move. With the trend widget you can also see if the total is growing.
How it works
- Add your accounts under Accounts. Every active account counts.
- Add the things you own on the Assets page (Premium): gold by weight, land, shares as a value, retirement funds.
- Open Home. The Net worth card shows the total in your default currency.
- Tap View all on the card to open Assets and see the breakdown by type.
- On a phone the same card sits in the dashboard list.
- To add the card, tap Customize on the dashboard, then Add widget and pick Net worth.
Details and rules
- What the number includes: the assets total plus active account balances. Inactive accounts are left out.
- Loans are not subtracted. They are shown separately in bank loans and the loan widgets.
- Accounts in other currencies are converted into your default currency at the rate on Lipi’s rate board.
- Accounts shared with you by someone else are their money, so they are not in your net worth.
- Plans: the widget is free. Assets are Premium, so without Premium the number covers accounts only. The Net worth trend, with its goal, is Premium.
- Free accounts can show 3 dashboard widgets; Premium has no limit.
- Asset values are ones you set, except gold and silver, which follow the day’s metal price.
- Offline, the card shows the last saved copy.
Works with
- Assets tracker
- Net worth trend and goal
- Gold and silver per tola
- Land and property
- Multiple accounts
- Net worth widget
- Net-worth trend widget
Ask an AI assistant
Ask: “What is my net worth trend this year?” The assistant uses get_net_worth_trend. “List my assets” uses list_assets, and “What is my total asset value and gain?” uses get_asset_summary. The asset tools and the trend need Premium.
For AI assistants
Lipi’s MCP server gives an assistant these tools for this feature:
get_net_worth_trendlist_assetsget_asset_summary
Questions and answers
Does Lipi track net worth?
Yes. The Net worth widget on the dashboard shows one number. It is the total of your assets plus the balances of your active accounts, converted into your default currency.
What counts towards net worth in Lipi?
The total value of your assets (gold, silver, property, investments, retirement funds, other) plus the balance of each of your active accounts. Accounts in other currencies are converted at the rate Lipi holds. Accounts that someone else shares with you are not counted.
Are loans subtracted from net worth?
No. The net worth number does not subtract loans. Your bank loans are shown on their own pages and loan widgets, so you can see what you owe separately.
Does Lipi have a net worth goal?
Yes. The Net worth trend widget has a Net-worth goal setting. You enter a target and the widget shows how many months it will take at your recent savings pace. The trend widget is Premium.
Is net worth tracking free?
The Net worth widget is available on the free plan and shows your account balances. The assets part comes from the Assets page, which is Premium. The Net worth trend over time is also Premium.
Can Lipi track net worth like other net worth apps?
Lipi combines accounts and assets in one number and charts liquid net worth over twelve months with a projection. It does not subtract loans in that number and it works without a bank login.
Last updated:
More in Wealth and net worth
Net worth trend and goal
Lipi charts your liquid net worth over 12 months, projects it from your savings pace and can show months to a goal you set. Premium; it covers accounts only, not assets or loans.
Assets tracker: gold, land, shares
Yes, Lipi tracks assets: gold, silver, property, shares, retirement funds and other things you own, with total value and gain. Premium.
Gold and silver price per tola
Lipi shows gold and silver prices per tola, gram or ounce in rupees, and values the gold and silver you own by weight. The price widget is free; gold and silver assets are Premium.