Your first net worth snapshot — a 5-minute setup guide

Your net worth is the foundation of everything in FlowTrack. It is the single number that tells you where you stand financially: everything you own minus everything you owe.

The good news? You do not need to add every account to get started. In 5 minutes, you can get a meaningful first number that is close enough to be useful — and you can refine it over time.

The 3-Account Quick Start

To get a useful net worth number fast, start with just three things:

1. Your Primary Savings Account

This is the account your salary lands in. Open your bank app, check the balance, and add it to FlowTrack.

Why this first? It is usually the most active account and the one you check most often.

1. Go to Dashboard → Add Asset
2. Select Bank Account as the category
3. Enter the bank name and current balance
4. Tap Save

2. Your Biggest Asset

For most Indians, this is one of:

• EPF balance — check your UAN portal or recent payslip for the approximate amount
• Mutual fund portfolio — check CAMS/Kfintech for the consolidated value and enter it
• Property — enter the estimated current market value (not purchase price)
• Fixed deposits — enter the current value including accrued interest

Pick whichever is your largest and add it.

1. Go to Dashboard → Add Asset
2. Choose the appropriate category (Investment, Property, or Retirement)
3. Enter the details

3. Your Biggest Loan

For most Indians, this is:

• Home loan — enter the outstanding principal (not the original loan amount)
• Car loan — enter the outstanding balance
• Education loan — enter the current outstanding amount
• Credit card debt — enter the total outstanding balance across all cards

1. Go to Dashboard → Add Liability
2. Choose the loan type
3. Enter the outstanding amount, interest rate, and EMI

Reading Your First Net Worth Number

Once you have added these three items, FlowTrack will show your net worth on the dashboard:

Net Worth = Total Assets − Total Liabilities

Here is what different numbers mean:

What to Add Later

You do not need to add everything today. Over the next week, consider adding:

• Other bank accounts — savings, salary, joint accounts
• All mutual fund folios — check CAMS and Kfintech for your consolidated portfolio value
• Stock portfolio — check your demat account for current value
• PPF account — enter the current balance
• NPS — check CRA portal for current value
• Gold — estimate the value of physical gold and digital gold holdings
• Other property — land, second home, commercial property
• All loans — personal loans, gold loans, credit card dues
• Insurance — while not an asset, FlowTrack uses this for your health score

Your Financial Health Score Teaser

Once you have a few assets and liabilities entered, FlowTrack will start calculating your Financial Health Score — a 0 to 100 rating across 10 indicators covering everything from emergency funds to retirement readiness.

The more accounts you add, the more accurate your health score becomes. But even with just the 3-account quick start, you will get a preliminary score with actionable advice.

Ready to understand your health score? Read the full explainer →