A monthly net worth tracker app with snapshots
4 min read
A monthly net worth snapshot records your account balances for one month, so one month can be read against the next. Moflow, a net worth tracker, captures it after the month ends; you correct a row if something moved, then confirm it. The monthly snapshot comes with Free, and on Moflow+, Trends charts the months you confirm.
What a snapshot records
A snapshot records your account balances for a month, converted at the exchange rates Moflow holds when it is captured. It also records the resulting net worth, in your display currency. A debt is captured at the amount owed.
The net worth page shows what counts toward the total: cash, savings, investments, property and debts, in their own currencies.
The monthly habit
After a month ends, its snapshot waits on Summary, under Needs you.
- Select Review on the Snapshot tile.
- Compare the balance shown with your bank or statement.
- If it matches, select Looks right. If not, type the correct amount, then select Save & continue.
- On the last account, select Confirm snapshot or Save & confirm.
- Read your recap, then select Done.
The recap shows how the month went. The full walk-through is on How to confirm your monthly snapshot.
What reminds you
Moflow can remind you in two places, both switched in Settings, under Notifications. The Monthly snapshot push goes to your phone on the 1st, when last month's snapshot is due. The snapshot email comes once a month, while last month's snapshot waits to be confirmed.
What happens if you leave it
Leave a month unconfirmed, and Moflow confirms it from the 8th of the next month. Until then, a figure you keep by hand can be corrected.
A confirmed month cannot be rewritten.
With a connected brokerage
On Moflow+, a connected account takes its figures from its brokerage, so the review asks only about the accounts you keep by hand. When a month holds only connected accounts, the review is one step: confirm.
Your months side by side, on Moflow+
Trends puts your confirmed months side by side, one bar for each, showing how much the total rose or fell from the month before. A month that fell is drawn below the line.
A second chart stacks each month's assets by class, with cash at the base. A month that rose because cash came in looks different from one that rose because a property was revalued.
Trends is part of Moflow+. Months confirmed on Free are kept, and appear in Trends on Moflow+.
Free, and what Moflow+ adds
Free includes the monthly snapshot of your balances, stocks, ETFs and crypto, cost and gains on every position and allocation by asset class, with no card needed. Your ledger is encrypted in transit and at rest and used only to serve you.
Moflow+ adds your brokerage accounts, connected read-only, plus goal tracking, retirement planning and wealth projections, decades ahead. Moflow+ also adds Trends: your wealth, month by month. On Moflow+, connect your AI assistant and ask it about your wealth. What each plan costs is on Pricing.
Questions
What is a monthly net worth snapshot?
A record of your account balances for one month, converted at the exchange rates Moflow holds when it is captured. Moflow captures it after the month ends, on Free and on Moflow+, and you confirm it.
Is there a net worth tracker app with monthly snapshots?
Yes. Moflow is a net worth tracker, and the monthly snapshot of your balances comes with its Free plan. On Moflow+, Trends charts the months you confirm.
Is the month-by-month chart included on Free?
No. Trends is part of Moflow+. On Free, Moflow captures the monthly snapshot of your balances and you confirm it, and months confirmed on Free appear in Trends on Moflow+.
Can I change a month after confirming it?
No. On Free and on Moflow+, a confirmed month cannot be rewritten. Before it is confirmed, a figure you keep by hand can be corrected.
What happens if I forget to confirm a month?
On Free and on Moflow+, Moflow confirms an unconfirmed month from the 8th of the next month. Once it is confirmed, it cannot be rewritten.