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 shows an equity trend chart: your estimated portfolio equity over the last several months, 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.

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.