Your net worth in Aureli is calculated as your total assets minus your total debts, expressed in your portfolio's base currency. This page explains the mechanics behind that number.
The basic formula
Net worth = Total assets − Total debts
Both totals are converted to your portfolio's base currency before subtraction, so a mixed-currency portfolio produces a single coherent figure.
Multi-currency conversion
If you hold assets or debts in currencies other than your portfolio's base currency, Aureli converts each one using the latest available exchange rate for that currency pair. Rates are maintained automatically and refreshed daily.
If a rate for a particular currency pair is unavailable, the asset's value is included in its original currency rather than converted. This is uncommon, but it means your net worth total could be slightly inconsistent if a rate is temporarily missing.
What's included
Included:
- All active (non-archived) assets across every asset type — cash accounts, stocks, crypto, property, commodities, private equity, and others
- All active (non-archived) debts — mortgages, loans, credit cards, and others
Not included:
- Archived assets and debts. Once you archive something, it is excluded from all portfolio calculations.
The breakdown
Alongside your overall net worth, Aureli also shows a breakdown:
- Assets — sum of all active asset valuations in the base currency
- Debts — sum of all active debt balances in the base currency
- Cash — subset of assets marked as accessible funds (e.g. bank account balances)
Comparing to a previous period
The reports page shows how your net worth has changed over time. Aureli compares your current valuations against your historical valuations from one week, one month, or one year ago to show the movement.
Why your number might look unexpected
A few things can cause confusion:
- FX rate movements — If you hold foreign-currency assets, your net worth in the base currency will fluctuate as exchange rates move, even if you haven't bought or sold anything. See How multi-currency portfolios work.
- Outdated valuations — If you haven't updated a manual asset (like a property) recently, its stale value is still used. The figure is only as current as your latest valuation.
- Archived items excluded — If you recently archived an asset or debt, it will no longer appear in the total.
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