Count Every Place
Bank accounts, Vodafone Cash, cash at home, certificates, THNDR shares and gold, each in EGP at its latest value.
Part of Know What You Own
Net worth tracker for Egypt
Your Net Worth, Worked Out in EGP.
What you own, less what you owe, with nothing left out and nothing counted twice.
The sum
What You Own, Less What You Owe.
The net worth on 2026-10-04, worked out line by line.
Net Worth
What you own, less what you owe
- Cash you ownBank, wallets and dollars, less what is held for family236,317
- Holdings valueGold, a certificate, shares, a fund and a share of a flat752,486
- What you ownCounted to the piastre, then rounded988,804
- What you oweTwo loans, an office gam’eya and October’s rent, now late−78,500
- Net worth910,304
Each figure is rounded to whole EGP, so a row can differ by 1.
What counts
Three Rules Keep the Number Honest.
Count everything once, at today’s value, and only what is yours.
Leave Out What Isn’t Yours
Money you keep for family sits in your account but isn’t yours. Mark who it’s held for and it stays out.
Take Off What You Owe
Loans, installments and bills already due. Two loans, an office gam’eya and October’s rent, now late, come to 78,500 EGP.
Good questions
Net Worth, Answered
What people in Egypt ask when they first add it all up.
Should gold count in my net worth?
Yes. Gold is something you own and could sell. Lightning values each piece by its net weight and the price per gram for its karat, so an 18K ring and a 21K gold pound are each priced right.
Do bank certificates count?
Yes, at their balance, even before you can withdraw them. The NBE three-year certificate counts as 100,000 EGP.
Why did my net worth go up when my bank balance went down?
Moving money from your bank into a certificate, gold or shares changes where it sits, not what you own. Lightning counts the move once, so net worth only changes with what you saved, what you spent and how your holdings did.
How often should I check it?
Once a month is enough. Import your statements at the end of the month and the Overview shows your net worth and how it changed. In the sample it rose 311,804 EGP from January to early October. Your phone and your PC show the same figure: the phone holds one ledger and the PC borrows it over your own Wi-Fi.
How are shares valued?
For listed shares, Lightning looks up the latest price by ticker symbol. That is the only thing it looks up online. For gold and other holdings, you record the price.
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 Track Gold, Certificates and Shares Together?
One portfolio in EGP: what it earned, and what you added.
How Do I Track Money I Hold for Someone Else?
Their money stays in your account, but out of your net worth.
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