Property valuation and net worth

Track each property's value over time and see your real-estate net worth across the portfolio.

Before you start

• The Net worth view and valuation tracking are a Pro and up feature, alongside analytics and the tax pack.
• "Net worth" here means real-estate equity only, which is the value of the properties you own minus the mortgages against them. Wealtharu does not add up stocks, crypto, or bank balances.

Steps

1. Open a property and go to the Valuation tab.
2. Choose Add valuation, enter the value and the as-of date, then save. Add new valuations over time to build a history. Wealtharu uses the most recent one.
3. Open Net worth from the menu to see the portfolio roll-up.

What happens next

• Each property's equity is its latest valuation minus the current mortgage balance from your mortgage record. Properties with no valuation, or that owe more than they are worth, are shown honestly rather than hidden.
• If a property is co-owned, equity is split by ownership share. Any portion not tied to a recorded owner is shown as "unattributed" so the totals always add up.

Your equity over time

• The Net worth page and your dashboard both show an equity trend chart: your estimated portfolio equity over time, with a headline like "Your estimated equity grew $X".
• Every point is computed on the server from your recorded valuations and current mortgage balances. Months before you recorded any valuation show as "no data", never a fake $0.
• The growth number is the change from the first real point to the latest. It is an estimate, because the valuation is your own estimate, not a market price.

Change the time range

• Use the 6M, 1Y, 2Y and 3Y buttons above the chart to choose how far back it looks. It opens on 1Y.
• If a range does not have at least two recorded points, the chart says there is not enough history in that range. The buttons stay put, so you can pick a longer one.

Reading the scale

• The line needs at least two valuations to draw. One valuation is a number, not a trend.
• The bottom of the chart tells you what vertical range it is showing. When your equity is large and the change is small, the chart zooms in so the movement is actually visible, and it says "Scale zoomed to this range" so you know the line is not measured from $0.
• When it says "Scale starts at $0", the chart is measured from zero. That is what you will see when equity is small, or negative, so being underwater always looks like being underwater.
• A flat line means your equity really was flat over that range. The chart never invents movement.

Notes

• Valuations are manual for now, so the number is only as current as your last entry.
• Net worth is a planning view, not an appraisal.