Fragmented finances
Money spread across bank accounts, ISAs, pensions, property, and investments — each in a different place, none talking to each other. You’ve never seen the total.
What Are You Actually Worth?
(Most People Don’t Know)
Your home. Your pensions. Your savings. Your debts. Fynla brings it all together into a single number — your net worth — and tracks how it changes over time.
Seeing everything in one place for the first time was a revelation. We’re in a much better position than we thought.
You Know Your Salary. But Do You Know Your Net Worth?
Assets minus debts
Your house is worth £350,000 — but with a £200,000 mortgage, your equity is £150,000. Most people think in gross terms, not net terms.
No trend, no direction
Is your financial position improving or deteriorating? Without tracking net worth over time, you’re steering without a compass.
Net worth
£487,250
Total assets
£612,000
Total liabilities
£124,750
Property
£350,000
Pensions
£180,000
ISA & investments
£52,000
Mortgage
−£95,000
Everything You Own. Everything You Owe. One Screen.
Complete Asset Register
Property, pensions, investments, ISAs, savings, cash, valuables — add everything and see your total assets at a glance. Categorised and colour-coded.
Liability Tracker
Mortgage, student loans, credit cards, car finance, personal loans — everything you owe, with balances, rates, and payoff timelines.
Net Worth = Assets − Liabilities
One clear number. Updated whenever you add or change data. The single most important metric in personal finance.
Historical Tracking
See how your net worth has changed over months and years. Spot the impact of major decisions — buying a house, starting a pension, paying off a loan.
Breakdown by Category
Understand your composition: what percentage is locked in property vs liquid savings vs pensions? Are you too concentrated in one asset type?
Gateway to Deeper Planning
Your net worth dashboard feeds every other Fynla feature — retirement planning, Inheritance Tax calculations, protection needs, and more.
Net Worth Tracking: Fynla vs The Alternatives
| Feature | Fynla (£8.50–£20/mo) | Budgeting Apps | Spreadsheet | IFA Annual Review |
|---|---|---|---|---|
| All asset types including pensions | Yes | Partial | Manual | Yes |
| Liabilities included | Yes | Some | Manual | Yes |
| Historical tracking | Yes | Limited | If you remember | Annual snapshot |
| Feeds into planning tools | Yes | No | No | Within their software |
| Time to set up | 15–20 minutes | 5 mins (limited) | Hours | Weeks |
Frequently asked questions
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Enter your best estimate of current market value. You can update this periodically — many people check Zoopla or Rightmove for comparable sales. Fynla doesn't auto-value property, so you stay in control of the estimate.
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No. Fynla doesn't require bank connections. You enter your data manually, which means you stay in full control and don't need to share banking credentials. We're exploring optional open banking integrations for the future.
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Property and pension values: every 3–6 months. Savings and investment balances: monthly if you want precision, quarterly if you want simplicity. Fynla prompts you when data is getting stale.
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Net worth is a snapshot of assets minus liabilities at a point in time. It doesn't account for your earning capacity, pension income rights, or state benefits — but it's the best single measure of your financial position.
Start With the Number That Matters Most
Your net worth is the foundation of every financial decision. See it clearly, track it over time, and build your plan from there.