Maximize Your Wealth: The Ultimate Guide to Tracking Your Net Worth in Your 20s
- Donovan Traub
- Dec 13, 2025
- 4 min read
Managing money in your 20s can feel like juggling a dozen apps, accounts, and spreadsheets all at once. You might have cash in your bank, stocks in one app, crypto in another, and maybe even a side hustle or two with income scattered across platforms. Keeping track of all this can be overwhelming, and without a clear picture, building wealth feels like a guessing game.
This guide will help you understand what net worth really means, why tracking it early matters, and how to do it simply and effectively. You’ll learn about common methods people use, their drawbacks, and how a modern app like Portfolio can bring everything together in one place. By the end, you’ll be ready to start tracking your net worth in under 10 minutes and take control of your financial future.
What Is Net Worth and Why It Matters in Your 20s
Net worth is the total value of everything you own minus what you owe. Think of it as a snapshot of your financial health. It includes:
Cash in your bank accounts
Investments like stocks and crypto
Real estate or cars you own
Debts like student loans, credit cards, or car payments
Tracking your net worth early helps you see how your money grows over time. It shows whether you’re building wealth or accumulating debt. For young investors and side-hustlers, this clarity can guide smarter decisions, like when to save more, invest, or pay down debt.
Starting in your 20s gives you a huge advantage. Compound growth works best over time, and knowing your net worth helps you set realistic goals and stay motivated.
How People Usually Track Their Net Worth (And Why It’s a Pain)
Many young people don’t track their net worth at all. It feels complicated or boring, and they don’t know where to start. Others try these common methods:
Spreadsheets
Some create detailed Excel or Google Sheets to list assets and debts. This can work but requires manual updates and math skills. It’s easy to forget to update or miss some accounts, leading to an incomplete picture.
Notes Apps or Paper
Writing down numbers in a notes app or notebook is quick but not scalable. It’s hard to keep track of changes or see trends over time.
Budget Apps Like Mint
Apps like Mint focus on budgeting and expenses, not net worth. They often don’t include assets like crypto, real estate, or cars. Plus, syncing multiple accounts can be glitchy or incomplete.
Multiple Apps for Different Assets
Some use one app for stocks, another for crypto, and still another for bank accounts. This means switching between apps and no single view of your full financial picture.
All these methods share common problems: they take time, can be inaccurate, and don’t give a real-time, complete view of your net worth.
Why You Need an All-Assets Dashboard
Imagine seeing all your money in one place, updated automatically. That’s what an all-assets dashboard does. It connects your bank accounts, investment portfolios, crypto wallets, and even real estate or car values. You get a clear, real-time picture of your net worth without juggling apps or spreadsheets.
This helps you:
Make smarter financial decisions
Spot trends and opportunities
Stay motivated by watching your wealth grow
Avoid surprises like forgotten debts or missed payments
An all-assets dashboard turns tracking net worth from a chore into a simple habit.
Meet Portfolio: The Net Worth Tracker Made for Young Investors
Portfolio is a modern net worth tracking app built by college-aged founders who understand the challenges young investors face. It’s designed to give you a clear, real-time view of all your assets in one place — cash, stocks, crypto, real estate, cars, and more.
Why Portfolio stands out:
Easy to use: No complicated spreadsheets or multiple apps
Real-time updates: Your net worth changes as your investments and accounts update
All assets included: Track everything that matters to you, not just bank accounts
Built for your generation: Designed with young investors and side-hustlers in mind
Portfolio helps you see your full financial picture so you can make better decisions and build wealth confidently.
How to Start Tracking Your Net Worth in Under 10 Minutes
Getting started with Portfolio or any all-assets dashboard is simple. Here’s a quick step-by-step guide:
Download the app from your phone’s app store and create an account.
Link your financial accounts: Connect your bank, investment, and crypto accounts securely. Portfolio uses bank-level encryption to keep your data safe.
Add offline assets: Enter values for things like your car, real estate, or cash you keep outside banks.
Input debts: Add any loans, credit card balances, or other debts you owe.
Review your dashboard: See your net worth calculated automatically with all assets and debts included.
Set goals: Use the app’s tools to set savings or investment targets based on your net worth.
Check regularly: Make it a habit to open the app weekly or monthly to track progress and adjust plans.
Within minutes, you’ll have a clear picture of your financial health and a tool to help you grow it.
Tips to Make Net Worth Tracking Work for You
Be honest and thorough: Include all assets and debts for an accurate picture.
Update offline assets regularly: Things like car value or cash can change.
Use notifications: Let the app remind you to check your net worth.
Review trends: Look at how your net worth changes over time, not just the number itself.
Celebrate progress: Even small gains matter and build momentum.
Tracking net worth is a powerful habit that helps you stay in control and motivated.
Tracking your net worth in your 20s doesn’t have to be complicated or time-consuming. With the right tools, you can see everything you own and owe in one place, make smarter decisions, and build wealth steadily. Portfolio offers a simple, clear, and real-time way to do this, designed specifically for young investors like you.
Start today, and watch your financial future come into focus.
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