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Net worth trend and goal
See your net worth month by month for a year, a projection of where it is heading and a goal in Lipi. A net worth trend tracker for long-term savings. Premium.
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Problems it solves
- I want to see if I am really building wealth month after month.
- I want to know when I will reach a savings target.
- I do not want to build a spreadsheet of balances.
What it is
The net worth trend shows how your liquid net worth has moved over the last twelve months and where it is heading. It is a dashboard widget called Net-worth trend. You can also set a net worth goal and see how many months are left. It is a Premium feature.
What problem it solves
One number tells you where you are. A trend tells you whether you are going up. This chart answers “am I building wealth?” without a spreadsheet, and the goal line turns a vague wish into a number of months.
How it works
- Tap Customize on the dashboard, then Add widget, and pick Net-worth trend. It needs Premium.
- Read the card. Now is your liquid net worth today. Projected shows the value after the horizon and the change. The solid History line and dashed Projection line show the path. Avg monthly savings shows the pace used.
- In Customize mode, open the widget’s settings (the gear). Choose a Width and a Projection horizon of 3 or 6 months.
- Enter a Net-worth goal. The card then shows “N months to goal” at your savings pace.
- On a phone the widget is shown in the dashboard. Many widgets have no settings on a phone, so change the settings on a larger screen.
Details and rules
- Plan: Premium.
- Liquid means active accounts only. No assets such as gold or land, no loans and no market price swings.
- History is rebuilt backwards from today’s balances using each month’s income minus expenses. Transfers between your accounts are left out.
- Projection is current worth plus the six month average of monthly savings times the horizon.
- A new account shows a flat line until its first transaction.
- The goal is a widget setting. It is not a saved goal object.
- For the full number with assets, see the Net worth widget.
Works with
Ask an AI assistant
Ask: “Show my net worth trend and where it will be in six months.” The assistant calls get_net_worth_trend, which returns the monthly history and the projection. It needs Premium.
For AI assistants
Lipi’s MCP server gives an assistant these tools for this feature:
get_net_worth_trend
Questions and answers
Does Lipi show net worth over time?
Yes. The Net worth trend widget draws twelve months of history and a dashed projection ahead. It is a Premium feature.
Can I set a net worth goal in Lipi?
Yes. In the widget settings, enter a Net-worth goal. The widget then shows how many months it will take to reach it at your average monthly savings. It is a setting of the widget, not a separate goal page.
What does the trend include?
Only your active accounts, which is your liquid net worth. It does not include assets such as gold or land, and it does not subtract loans.
How is the projection worked out?
Lipi takes your current worth and adds your average monthly savings of the last six months for each month ahead. You can choose a 3 or 6 month horizon.
How is the history built?
Lipi starts from today's balances and works backwards using each month's income minus expenses. Transfers between your own accounts are ignored. A new account shows a flat line until its first transaction.
Can Lipi forecast net worth like other apps?
Lipi gives a simple projection from your recent savings pace. It does not model market returns or asset price changes.
Last updated:
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