Tracking investments, loans, and property

Off-budget accounts (your 401(k), the mortgage, the car loan, the house) stay out of your envelopes, but they're most of your net worth. The Planner is where Climb keeps their story: what they're worth, where they're heading, and how your budget is feeding them.

Balance snapshots

Off-budget accounts don't need transaction-level detail; they need a trend. So you record snapshots: dated balances, updated whenever you check the account. A snapshot a month is plenty. Those points become the account's history and roll up into your net worth chart, alongside charts like mortgage equity for the accounts that earn them.

Each account's personality

An off-budget account can hold the numbers that describe it: interest rate, monthly payment, and term for loans; expected return for investments; appreciation for property. Climb uses them to fill the gaps between snapshots and to project where the account is going, so the picture stays current even when you haven't updated it in a while.

Connecting the budget to the big picture

The money you send off-budget starts life as ordinary budgeting: the loan payment and the investment contribution each get a category, funding, and a logged transaction. The account tracker ties those transactions to the off-budget account they serviced, so the mortgage's history shows the payments that built it, and suggests likely matches so the bookkeeping stays light.

What-if calculators

The Planner also has payoff and growth calculators: extra payment against the loan, monthly contribution at an expected return. Pure math, nothing saved, for the "what would it take" conversations.