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The Net Worth dashboard is the single Rocket Money Premium feature that pays for itself the fastest if you've never tracked your net worth before. It pulls all your linked accounts — checking, savings, investments, credit cards, loans, mortgage — and produces a single up-to-date number, plus a time-series chart showing how it's moved.

This guide walks through exactly how to set it up, which account types contribute to the net worth calculation, what to do for accounts Plaid can't connect, and how to read the time-series view once data starts accumulating.

The short version. The Net Worth dashboard is a Premium-only feature. Setup is just "link more accounts" — the dashboard auto-populates. Investment and loan accounts (mortgage, auto loan, student loans) connect via Plaid the same way bank accounts do. For accounts Plaid can't connect (some 401k providers, some brokerages), you can manually add an asset/liability with a fixed value. The time-series chart updates as transactions sync.

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Verified workflow (from Rocket Money Help Center)

  1. Open Rocket Money (Premium required).
  2. Go to the Net Worth tab.
  3. Link missing financial accounts via Plaid, OR manually add an asset/debt to track.
  4. To include a home: link or manually add the home/mortgage.
  5. Toggle "Use equity values in charts" if you want home equity to count toward total assets.
  6. Toggle inclusion for individual accounts (e.g., Include Checking in Net Worth) as desired.

Premium-only. Net worth = total assets minus total debts.

Source: Rocket Money Help Center — verified May 2026

What's in this guide

How Rocket Money calculates net worth

Net worth in Rocket Money is the standard formula: assets minus liabilities.

Assets: - Checking and savings balances (bank accounts) - Brokerage and investment account values - Retirement account values (401k, IRA, etc.) - Cash management accounts - Manually-added assets (real estate, vehicles, other holdings)

Liabilities: - Credit card balances - Auto loans - Student loans - Mortgage balances - Personal loans - Manually-added liabilities

The math is just: total assets − total liabilities = net worth. Rocket Money does this automatically across all your linked accounts and updates the number whenever account balances refresh.

Step-by-step: setting up the dashboard

The Net Worth dashboard is essentially "as good as your linked accounts." Setup means linking everything that should count.

Step 1 — Confirm Premium is active. Net Worth is a Premium feature.

Step 2 — Open the Net Worth dashboard. From the Dashboard, look for a Net Worth tile or section. Tap it.

Step 3 — Review what's already linked. Rocket Money shows your existing linked accounts and what their balances contribute to the calculation. If you've already linked your primary bank, you'll see those balances on the asset side.

Step 4 — Link any missing accounts. Tap Add Account or Connect Account. Plaid handles the connection. Step through each major account type:

  • Checking and savings — your primary bank, plus any secondary banks.
  • Credit cards — every active card, even ones you don't use much (zero-balance cards still belong, just for accuracy).
  • Investment accounts — brokerage (Robinhood, Fidelity, Schwab, Vanguard, etc.).
  • Retirement accounts — 401k providers (Fidelity, Empower, T. Rowe Price, etc.) and IRAs.
  • Loans — auto loans, student loans, mortgages, personal loans.

Step 5 — Add manual entries for accounts Plaid can't reach. See the Accounts Plaid can't connect section below for the manual-entry path.

Step 6 — Wait a few minutes for data to populate. After connection, balances may take 5–15 minutes to fully populate. Investment account values can take longer because some brokerage data refreshes on a delay.

Step 7 — Confirm the net worth number looks right. Cross-check against your own quick mental math. If a major account is missing or has the wrong balance, drill into the account detail to see the connection status and last-synced timestamp.

Account types that contribute

Rocket Money's Net Worth view groups account types automatically. Coverage by Plaid (and therefore Rocket Money) is generally:

  • Major banks (Chase, Wells Fargo, Citi, Capital One, US Bank, etc.): strong support.
  • Online banks (Ally, Marcus, Chime, SoFi, Discover, etc.): strong support.
  • Credit cards (all major issuers): strong support.
  • Major brokerages (Fidelity, Schwab, Vanguard, Robinhood, E*TRADE, Merrill, etc.): strong support — though some account types (e.g., HSAs at certain providers) can be hit-or-miss.
  • 401k providers: mixed. Fidelity NetBenefits and Empower work for most users; some smaller employer-sponsored plan administrators don't connect well. Manual entry handles the rest.
  • Mortgage and auto loan servicers: mixed. Major servicers (Rocket Mortgage, Wells Fargo, Chase, etc.) work; some smaller credit unions don't.
  • Student loan servicers: mostly fine for federal loans; private servicer support varies.

If a connection fails for a specific provider, the typical fix is to retry — Plaid sometimes has temporary issues with specific institutions. If it consistently fails, manual entry is the path.

Accounts Plaid can't connect (manual entries)

For accounts that Plaid can't connect — old 401ks, certain HSAs, real estate, vehicles, private investments, anything not in Plaid's catalog — you can add a manual asset or liability with a fixed value.

How to add a manual entry:

  1. Open the Net Worth dashboard or the Accounts list.
  2. Tap Add Account or Add Manual Account.
  3. Choose Asset or Liability.
  4. Enter the name (e.g., "Home Value," "401k - Old Employer," "Vehicle - 2018 Civic").
  5. Enter the current value.
  6. Save.

A manual entry doesn't auto-update — you have to come back and adjust the value periodically. For a 401k, that might mean updating quarterly when statements arrive. For a home value, maybe annually when a new comp comes through. For a vehicle, maybe never — it's just a rough placeholder.

The trade-off is accuracy vs effort. If you have a $500k retirement account that doesn't connect via Plaid, manual entry at $500k is much closer to your real net worth than leaving it out entirely. Update when convenient.

Setting up Net Worth for the first time? Plan an hour. Linking 8–12 accounts, plus 2–3 manual entries, takes about that long the first time — and then it auto-updates from there.

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How the time-series view works

Once data starts accumulating, the Net Worth dashboard shows a chart of net worth over time. A few things to know:

  • The chart starts the day you set things up. Rocket Money doesn't backfill historical net worth from before you linked accounts.
  • Updates happen as account balances refresh. Over time, the chart fills in showing trend lines.
  • Common views: 1 month, 3 months, 6 months, 1 year, all-time.
  • The chart smooths over manual entries. If you bumped your home-value manual entry from $400k to $500k, the chart will show a step function on the day you made that change. That's accurate, just visually abrupt.

What the time-series view is good for:

  • Watching trend over time. Is net worth going up, flat, or down across months?
  • Spotting unusual movements. A sudden $10k drop without an obvious cause warrants checking.
  • Setting personal goals. "Reach $X by [date]" is much more meaningful when you can see the trend.

What it's not good for:

  • Detailed performance attribution (was it the brokerage gain, the mortgage paydown, the savings deposit?). For that, you'd want a dedicated investment-tracking tool. See Rocket Money vs Empower — Empower is the typical recommendation for users who want investment-level detail in their net worth view.

Common questions

Why is my net worth different from what I calculated manually? Three common reasons: (1) an account didn't connect or has a stale balance, (2) a manual entry hasn't been updated recently, (3) Rocket Money is using current balance vs available balance for a checking/credit account, which can differ from your manual sum. Drill into account detail to find the discrepancy.

Can I exclude an account from the net worth calculation? Yes — most account-detail views have an "Include in net worth" toggle. Useful for accounts you don't actually own (a parent's account you're tracking, a business account that shouldn't count personally, etc.).

Does Rocket Money pull tax deferred values for retirement accounts at gross or net? Rocket Money shows the gross account balance — what your 401k/IRA statement says, before taxes-on-withdrawal adjustments. If you want a "tax-adjusted net worth," that's a separate calculation you'd do mentally (e.g., apply your expected effective tax rate to the retirement portion).

Can I see net worth by category (e.g., total cash vs total investments)? Yes — the dashboard typically breaks down assets by type (cash, investments, real estate, etc.) and liabilities by type (revolving, installment, mortgage). Useful for seeing concentration.

Does the Free tier have any net worth view? Free shows account balances individually, but the consolidated net worth dashboard (with the time-series chart) is Premium only.

Can my Secondary user see the net worth dashboard? Yes — account sharing includes the Net Worth view. The Secondary sees the same calculation as the Primary, since it's based on shared linked accounts.

Does net worth update in real time? "Real-time" with caveats. Premium uses real-time syncing on supported accounts, which means balance updates flow through more frequently than the Free-tier batch sync. But Plaid's connection to your bank still has its own update cadence — typically multiple times per day, not by-the-second.

What if I have crypto holdings? Rocket Money's net worth dashboard isn't optimized for crypto-native accounts. Some major exchanges (Coinbase) connect through Plaid; others don't. For full crypto net-worth tracking, a dedicated crypto portfolio tool plus manual entry in Rocket Money is the typical workaround.

Try Rocket Money Free tier identifies recurring charges, helps you spot subscriptions to cancel, and includes bill negotiation (available to all users — Rocket Money charges a 35-60% success fee on first-year savings only when negotiation succeeds). Premium ($7-$14/month sliding scale) adds Smart Savings, Concierge cancellation help, real-time sync, and detailed credit-score reporting. Try Rocket Money →

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Not financial, legal, or tax advice. We earn a commission if you sign up for Rocket Money through a link on this page; the price is the same. Every claim is verified against Rocket Money's official Help Center documentation and the December 12, 2025 Content Affiliate Talking Points where applicable.