Net Worth Tracking
The full picture, not just the debt
Debt elimination isn't the whole story. Pitch View tracks your complete net worth across all account types, giving you a single number that represents your true financial position.
For many users, that number starts negative. That's fine — it's honest. Watching it climb from -$47,000 to -$30,000 to -$10,000 to zero is the trajectory that Pitch View is built to support.
Account types
Pitch View aggregates accounts across every category:
| Category | Examples | Source |
|---|---|---|
| Depository | Checking, savings, money market | Plaid |
| Credit | Credit cards, lines of credit | Plaid |
| Loan | Student loans, auto loans, personal loans, mortgage | Plaid |
| Investment | Brokerage, 401(k), IRA | Plaid |
| Crypto | Bitcoin, Ethereum, other holdings | Manual + API |
All accounts contribute to a single net worth calculation: total assets minus total liabilities.
What you see
The net worth dashboard provides:
- Current net worth: Your aggregate financial position, updated with live data
- 30-day change: How much your net worth has moved in the last month, broken down by asset gains vs. debt reduction
- Debt-free progress: A progress bar showing how far you've come from your peak debt to zero. When you cross zero, the bar keeps going — now you're building wealth.
- Account breakdown: Every connected account with its current balance, sorted by type
- Trend: Historical net worth over time, showing the trajectory
Why net worth matters for debt payoff
Focusing only on debt can feel like running on a treadmill. You pay down your credit card, an emergency hits, the balance goes back up. The number never seems to move.
Net worth provides context. Even if your credit card balance went up $500 this month, maybe your 401(k) grew by $800 and your student loan went down by $200. Your net worth actually improved by $500. That perspective matters for staying the course.
It also prevents a common mistake: aggressively paying down low-interest debt while ignoring retirement contributions. Pitch View shows the full picture, so you can make informed tradeoffs between debt payoff and wealth building.
Real-time aggregation
Like all Pitch View data, net worth updates are automatic. When your paycheck deposits, when a credit card payment posts, when your investment account fluctuates — the net worth number reflects reality, not a snapshot from last Tuesday.
This is particularly important for the debt-free progress bar. Watching it advance, even by fractions of a percent, after every payment reinforces the behavior. The math works. The plan works. Keep going.