How to add assets and liabilities manually

Not everything links. Property, private holdings, self-custodied crypto, cash and loans are added manually and sit on the same balance sheet as your linked accounts.

A projection is only as complete as the balance sheet behind it. Leaving a mortgage out makes the plan look better than it is; leaving a paid-off house out makes it look worse.

Step by step

  1. Open Current Finances. Assets and liabilities are two views of the same screen.
  2. Add the item with its current value. Where a market price exists — precious metals, listed securities — Killion prices at market rather than at what you paid.
  3. Add liabilities with their balance and payment. Open liabilities are picked up automatically as fixed expenses in the Budget, so you do not have to enter the payment twice.
  4. Update when it changes. Manual values persist until you change them. A quarterly pass is usually enough for illiquid holdings.

Common questions

Are manual assets included in the projection?
Yes. They count toward net worth and allocation, and liabilities flow into fixed expenses.
Why is my gold valued differently from what I paid?
Precious metals are valued at current market prices, not purchase price, so net worth reflects what the holding is worth today.
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