this post was submitted on 05 Jan 2026
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This is the Chase app. Mine is negative six digits due to the mortgage, and it doesn't congratulate me. They do include Chase-issued credit cards and investment accounts, and try to encourage you to link your other accounts as well so it can include those and harvest your data.
It does not include the estimated value of your house, even though they included the mortgage.
That's really stupid. I owe about $65k on my home and it's worth about $225k. I have four paid off vehicles too. But all they would see are my debts and whatever money is in my accounts. My net worth is actually about $190k but it would show I'm negative $55k.
You can usually choose which accounts to add and add assets manually if you want but I think generally you don't want your primary residence in net worth. If you need a snapshot of what you can afford, you don't want to have to sell your home for it.