Held Apart From What You Own
Mark money in your account as held for someone you have saved. It stays in the account total but leaves your net worth.
Part of Know What You Own
Money held for others
Their Money. Not Your Net Worth.
Cash you hold for family stays in your account but out of what you own, so your net worth is the truth.
Free to use. Windows and Android. No bank login.
The problem
Your Balance Isn’t All Yours.
You collect rent for a sibling, hold savings for your parents, or pay a bill someone will repay.
Reassign Without Moving Cash
Change who owns part of an account between you and a saved person, without changing the account’s total.
Paid on Your Behalf, Still Counted
When someone pays an expense for you, record it. It still counts in your spending.
Mohab’s example
A Real Number from Our Sample Household.
Mohab holds 6,900 EGP for family inside his accounts.
In the Account
The 6,900 EGP sits in his bank balance, so the bank statement still matches.
Out of His Net Worth
It is subtracted from what Mohab owns, so his net worth never counts family money as his.
Good questions
Questions, Answered
Does money I hold for others count in my net worth?
No. It stays in the account but is shown apart and left out of what you own.
Does the account balance still match my bank?
Yes. Reassigning ownership between you and a saved person doesn’t change the account’s total.
What about an expense someone else paid for me?
Record it as paid on your behalf. It still counts in your spending.
Can I track money I lent out?
Not in the current beta.
Keep reading
Start with the whole picture, then the two nearest guides.
Know What You Own
Add up every place your money sits, take off what you owe, and that is your net worth.
How Do I Work Out My Net Worth?
Add up what you own in EGP, then take off what you owe and what isn’t yours.
How Do I Track Gold, Certificates and Shares Together?
One portfolio in EGP: what it earned, and what you added.
Beta testers wanted
Your Answers Decide What We Build Next.
Take the 3–5 minute survey: what you track, what you skip and what you wish Lightning did.
Take the survey · 3–5 min
or get news of each build
Study Your Patterns. Control Your Future.