May 2026 · 5 min read
How to Track Your Net Worth Across Crypto, Stocks, Gold, and Cash
Your financial picture is scattered across wallets, brokerages, bank accounts, and metal holdings. Here is how to bring it all into one live net worth view without spreadsheets or subscriptions.
Most people have a fragmented view of their own wealth. Their crypto is in one app, stocks in a brokerage, gold in a dealer account, and cash spread across two or three bank accounts. Seeing the complete picture requires opening five different tabs and mentally adding them together — which means most people simply do not do it.
A complete, live net worth view across every asset class is not a luxury. It is the foundation for every good financial decision: allocation, rebalancing, risk assessment, goal tracking. Without it, you are flying blind.
Why Multi-Asset Tracking Is Hard
The core challenge is that different asset classes live in different places and update at different speeds:
Cryptocurrency — prices update every second. Your BTC, ETH, and altcoin values change continuously. Exchange balances require API access or manual entry to stay current.
Stocks and ETFs — real-time quotes during market hours, frozen overnight and on weekends. Held at brokerages that rarely share data with other tools.
Precious metals — gold and silver spot prices update throughout the trading day. Physical holdings have no automatic tracking at all.
Cash and stablecoins — relatively stable, but spread across bank accounts, money market funds, and on-chain wallets. Often forgotten in net worth calculations.
Most tracking tools solve only one of these. Crypto apps do not understand gold. Stock trackers ignore Bitcoin. Spreadsheets go stale the moment you close them.
The Right Mental Model: Buckets and Weights
Before you track, you need a mental model. Think of your net worth in five buckets:
₿ Crypto — Bitcoin, Ethereum, altcoins, and any token with market-driven price. High volatility, 24/7 markets, highest risk and potential return.
🟡 Precious Metals — gold, silver, platinum. Inflation hedges and stores of value. Slow-moving compared to crypto, priced in troy ounces.
📈 Stocks & ETFs — equities, index funds, sector ETFs. Driven by corporate earnings and macro factors.
💵 Cash & Stablecoins — bank balances, stablecoins, money market funds. The dry powder bucket. Not an investment, but counts in net worth.
🏠 Real Estate — property at current market value, net of mortgage balance.
For most retail investors, the first four buckets are where active tracking matters. Real estate is relatively static and can be updated manually a few times a year.
Setting Up Live Multi-Asset Tracking in WalletLens
WalletLens is built around this exact five-bucket model, covering all asset classes with live prices:
1. Add your crypto holdings. Search any of 10,000+ coins by name or ticker. Enter your quantity and average buy price. WalletLens pulls live prices and calculates your P&L immediately.
2. Add precious metals. Enter gold as XAU and silver as XAG — WalletLens uses live spot prices from financial markets. Enter your quantity in troy ounces (1 gram = 0.0321 oz if you think in grams).
3. Add stocks and ETFs. Search by ticker (AAPL, NVDA, VOO, QQQ). Live prices update during market hours. P&L is calculated from your purchase price.
4. Add cash and stablecoins. Bank balances can be entered as USD, EUR, or any major fiat. Stablecoins like USDT and USDC are tracked separately from your invested assets, so they show as dry powder rather than distorting your P&L.
The result: a single dashboard showing your total net worth across all four categories, with a live donut chart breaking down your allocation and a category-by-category P&L summary.
The Allocation View: What You Actually Own
Once your holdings are entered, the allocation view tells you something the scattered approach cannot: what percentage of your total net worth sits in each bucket.
This matters because allocation is where risk lives. Two people can both have a $200,000 net worth and completely different risk profiles:
| Person | Crypto | Stocks | Gold | Cash |
|---|---|---|---|---|
| A | 80% | 10% | 5% | 5% |
| B | 30% | 40% | 20% | 10% |
Person A has the same net worth as Person B but is catastrophically more exposed to a crypto crash. Without a unified view, they would not know their true risk.
Keeping It Current
The main discipline with manual tracking is logging every transaction as it happens:
- Every crypto buy or sell
- Every stock purchase or dividend reinvestment
- Any changes to metals holdings
- Monthly update to cash balances
In practice this is a few seconds per trade. WalletLens also supports voice import — you can say "I bought 0.5 ETH at $3,200" and the trade is logged — as well as a quick-entry form for each asset class.
Privacy: Why Local-First Matters
Tracking your complete net worth in one place creates a detailed financial profile. That profile should not live on someone else's server. WalletLens stores all your data in your browser's local storage — nothing is transmitted to any server. There is no account, no login, no email address. Your financial data stays entirely on your device.
Exporting and Backing Up
Because your data lives in the browser, backing up is important. The WalletLens Export function generates a compact WLZ code — a compressed snapshot of all your trades and holdings. Save it to a notes app, a secure cloud document, or an encrypted password manager. To restore on any device, paste the code into Import. The whole process takes five seconds.
Conclusion
Your net worth is the sum of everything across all the accounts and assets you hold. Seeing it clearly — categorised, live-priced, allocation-weighted — takes no more than fifteen minutes to set up and dramatically improves every subsequent financial decision you make. Stop guessing at the total and start tracking it in one place at walletlens.live — free, no account needed.