Net Worth
Everything you own minus everything you owe — the single number that tracks whether your whole position is improving.
Net worth is assets (bank balances, KiwiSaver, house, car) minus liabilities (mortgage, loans, cards, BNPL plans). It can be negative early on — a student loan will do that — and that is normal.
Its value is the trend, not the level. Income says what flows in; net worth says what sticks. Checked quarterly, it answers the question budgets can’t: is all of this actually working?
Owdyn Wise tracks your net worth timeline automatically from your accounts and debts.
From knowing to seeing.
Owdyn turns these concepts into one honest Safe-to-Spend number, updated daily from your own transactions. Free during beta, no credit card.
Free during beta · No credit card · Your data stays yours