We’ve redesigned Emma’s Net Worth Graph to give you clearer insights, better control and a more intuitive way to track your financial health - day by day.

Whether you’re focused on growing assets, paying down debt, or just keeping an eye on your money, the new updates help you see your progress at a glance.

What Exactly Is Net Worth?

Your Net Worth is the ultimate financial health check - a single number that shows where you truly stand. It's calculated as:

Assets (What You Own) - Liabilities (What You Owe) = Net Worth

What Your Number Means

➕ Positive net worth: Your assets outweigh debts (e.g., savings, home equity)
➖ Negative net worth: You owe more than you own (common early career)

What Exactly are Assets in Emma: What Counts?

Your assets are everything you own that holds value. In Emma, we track two types:

• Connected Assets (Automatic)
  • Bank accounts (included credit card)
  • Investments (Stocks, saving, crypto)
  • Positive credit balances
• Offline Assets (Manual)
  • Property (home valuation)
  • Vehicles (car, motorbike)
  • Valuables (jewellery, art)

Why it matter

• Calculates your true net worth (Assets - Debts)
• Shows where your wealth is stored
• Helps balance cash vs investments

Tip: Update offline values yearly for accuracy.

What’s New

1. Track Day-by-Day Progress

Before, you could only see monthly trends. Now? Check your net worth for any single day - perfect for spotting how big purchases or payments impact your finances.

2. Debt Tracking Made Intuitive

We've supercharged debt tracking in Emma to give you real-time clarity and control over your payoff journey. What's new?

• Daily Debt Monitoring: See exactly how each payment affects your balance.
• Instant Visual Feedback: watch your net worth adjust day-by-day.
• Complete Debt Overview: Drill down by category like Credit cards vs loans and get an instant snapshot of your total debt position

How it helps you win:

1. Make informed decisions - that extra £50 payment shows up immediately
2. Stay motivated - watch your debt shrink with every contribution
3. Adjust quickly - spot if you need to increase payments to hit goals

Go to Overview → Net Worth → Graph to see: Assets vs. Debts.

3. Smarter Pie Chart (With Colour Coding!)

We’ve redesigned your pie chart with Emma’s signature colours to make checking your financial health effortless:

• Everyday Accounts (Blue):
  • Current accounts
  • Daily spending money
• Savings (Pink):
  • Emergency funds
  • Goal pots (holidays, deposits)
• Investments (Green):
  • Stocks
  • ISAs
  • Pensions
  • Crypto
• Other (Grey).

Why This Helps You Master Your Finances

At Emma, our experts are constantly innovating to help you feel confident and in control of your money.

That’s why we’ve supercharged our debt tracking tools - to give you clarity, strategy and motivation at every step of your financial journey.

• The Complete Picture: See all your debts in one place—credit cards, loans, overdrafts—and understand how each affects your net worth. No more guessing or missed payments.
• Smarter Payoff Strategies: Emma doesn’t just track debts—it helps you crush them.
• Stay Motivated: Watch your progress unfold Trend lines proving you’re moving forward and colour-coded wins.