A net-worth tracker
that speaks fluent trust and LLC.
Most net-worth apps assume your money lives in one place, under one name, on one tax return. Formation is built for the other reality — a revocable trust, an LLC or two, a joint account, and a spouse's separate accounts, spread across a half-dozen custodians. It organizes your whole balance sheet the way your life is actually titled — so you can manage it yourself, without handing it to a wealth manager.
The short answer
A multi-entity net worth tracker organizes your balance sheet by who legally owns each account — trust, LLC, joint, or personal — instead of lumping everything together. Formation aggregates accounts across every custodian, tags each to its entity, and shows net worth per entity and in total, with every figure traceable to its source.
Why a spreadsheet (and most apps) break here
Once your assets sit inside legal entities, a single net-worth number stops being useful. You need to know what the trust holds versus what's in your name, because the answer drives estate planning, gifting, creditor exposure, and which dollars are even yours to spend. Consumer finance apps have no concept of an entity — they aggregate by login, not by ownership — so the trust's brokerage and your personal IRA land in the same undifferentiated pile. The spreadsheet that used to hold it together cracks the moment a custodian is added or a balance moves.
How Formation handles it
An entity model at the data layer
Create the trusts, LLCs, partnerships, and joint registrations your household actually uses, then assign each connected account to its owner. Net worth rolls up per entity with 'Personal' as the default bucket — so you can finally answer 'what does the trust hold?' without exporting anything.
Aggregation across every custodian
Link accounts at every brokerage, bank, and retirement custodian through the same read-only aggregator (Plaid) the major apps use. Assets, liabilities, real estate, and private-fund positions come together into one balance sheet — no manual re-keying as balances move.
Net worth that shows its work
Every figure carries a provenance badge — sourced from a custodian, calculated from sourced inputs, or estimated against an assumption — and you can click any number to see exactly where it came from. The total is the sum of accounts, not a black box.
Entity-organized views, not just a number
An ownership map shows which entity holds what; the balance sheet groups by entity; and beneficiary and titling gaps surface where they matter. It's the picture your estate attorney and CPA keep asking you to assemble — kept current automatically.
Built for how your life is organized
Your wealth is structured. Your tracker should be too.
The entity model is what separates Formation from a budgeting app with a net-worth tab. It's included in the one plan, and it's the foundation everything else — cross-entity tax, estate readiness, the advisor view — is built on.
See your whole balance sheet, organized by entity.
Connect your custodians, define your entities once, and watch net worth resolve the way your life is actually titled.
No charge today · Cancel in two clicks · Founding price $17.99/mo or $199/yr $29.99/mo list
Methodology · Net worth is CALC — the sum of SRC account balances from your linked custodians, grouped by the entities you configure. Formation aggregates and organizes; it is not a valuation and not advice.
See how Formation compares