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Open Net Worth Docs

What's new

New versions ship often — usually a small update every day or two — so this page is not a list of every change. It covers only the changes that can make a figure you already rely on read differently after you update: net worth, its history, returns, Ready to Assign and the like. If a number moved after an update and nothing here explains it, see Net worth looks wrong.

The full list of versions and their downloads is on the releases page. To see which version you have: in the desktop app, Open Net Worth → About Open Net Worth on a Mac or Help → Check for Updates… on Windows and Linux; on a server, run onw version.

2026-11-05 — Actual Budget can be imported and kept in step

Turn it on in Settings → Developer → Experimental, and Automations → Data sync has an Actual card beside YNAB: connect your own Actual server, review what would come across, import it, and keep the two in step if you want to. Nothing changes for a book that doesn’t use it, and YNAB’s sync reads and behaves as it did. Once imported, Ready to Assign won’t match Actual’s To Budget, because the two are worked out differently; the review says so.

2026-11-02 — Credit on a card now counts in Ready to Assign

If you paid a card more than it owed, or a refund landed after you’d paid the bill, the extra used to disappear from Ready to Assign at the end of the month, even though it was still sitting on the card. It now stays in your budget, the way YNAB keeps it:

  • Ready to Assign goes up by the credit on your cards. The breakdown (click the figure) shows it as Credit on your cards.
  • Spending on a card in credit comes out of the credit first: your envelope goes down, but the card’s payment envelope doesn’t, since nothing new is owed.
  • Cards that owe money work exactly as before. Cash on hand on the Dashboard still means your Cash accounts only.

2026-10-07 — Shares waiting to be released now count in your history and returns

If you have stock that vested but is still waiting to be released to your brokerage, those shares were already in today’s net worth but missing from every past month. Now:

  • Net-worth history and the dashboard chart include them from their vest date, so the chart ends at the same figure as your headline net worth.
  • Returns treat the vest as shares you received at their vest-date value, not as a market gain — a month with a vest no longer shows an inflated return.

2026-10-01 — Removing a holding removes its purchase too

Removing a position you added with a purchase date used to leave its purchase behind, so the holding still counted in your net-worth history and returns. Removing one now also removes the purchase (if none of it was ever sold). A position that has been partly sold can no longer be removed this way — sell or adjust the remainder instead. Your history and returns can change if you had removed such a position before.

2026-09-29 — Retirement holdings count under Retirement

Holdings inside retirement accounts now count in the Retirement totals, and the Retirement card on Assets splits into Positions and Cash, like Investments. Your total net worth does not change; how it’s grouped does.

2026-09-28 — Budget fixes that can move Ready to Assign

  • Card spending on an archived card (or a card-funded transfer or investment buy under a budgeted category) no longer inflates Ready to Assign. If you had such spending, Ready to Assign can read lower after updating — the new figure is the correct one.
  • Auto-assign → Average Assigned / Average Spent now average only the months since your budget began (up to 12), instead of always dividing by 12.
  • Auto-assign → Underfunded now also funds each card’s payment shortfall, last, matching the total it shows.

2026-09-26 — Assets: step-by-step adding, editing on the asset’s page

Adding an asset is now four short steps, and each part of an asset — ownership, purchase, details, notes — is edited on its own page. Your net worth today does not change. What can look different:

  • Past net-worth history can shift for an asset whose purchase price or date you edited after adding it (the purchase point now follows your edit), and for insurance & endowment policies (a policy no longer shows its purchase price as an early value).
  • Asset Composition now counts your share of a jointly-owned asset, so its percentages add up to 100%.
  • A sold asset no longer holds on to its loan, and a loan secures one asset at a time.

2026-09-07 — Seven account types, one definition of cash on hand

Cash on hand, runway and Ready to Assign no longer subtract brokerage margin; margin now reduces your Investments value instead. Your runway reads higher by the margin amount. Property and vehicle accounts became owned assets — link their loan on the Assets tab.

  • Upgrading — how to update, and what the app does to protect your data
  • Net worth — what counts and how it’s calculated

Guides and comparisons

Longer write-ups on the Open Net Worth blog: