Mezzi Assets and Liabilities: A Broader Net-Worth View

Updated September 26, 2026.

Archived article dated September 25, 2025. This dated product update has been edited for clarity. Launch details and roadmap statements below refer to the original publication date; screenshots are historical illustrations. See current membership options and the Mezzi help center for today’s product details.

To generate wealth, you need all your personal puzzle pieces: assets, liabilities, trades, financial goals, and more.

Now you can generate AI insights across all of your wealth with our latest release.

Add all the pieces

Start with assets

Add your personal home, second home, startup equity, rental properties, vehicles, collectibles, and more.

Get started on the Profile page. From there, select Add or edit accounts.

Then, add liabilities

Add your credit cards, mortgages, auto loans, student loans, and more. We capture rich detail like:

• the term on the loan
• monthly payment
• APR and more

Plus, add personal notes to factor into your AI guidance, such as:

“I want to pay this loan off as soon as possible,” or “I am in no rush to pay off my low-rate mortgage.”

Updated interface: Wealth under one roof

At Mezzi, we call your assets minus your liabilities your Wealth, also commonly known as your net worth. You’ll see this figure on Mezzi’s Home tab.

When you tap into your Wealth, you’ll see a breakdown of your:

1. Total Portfolio & cash: stocks, bonds, checking, and savings accounts
2. Other assets: real estate, vehicles, and other non-traded assets
3. Liabilities: mortgages, auto loans, student loans, and more

AI updates: Unlock more answers

With pertinent details of all your assets and liabilities, Mezzi's AI can help answer questions like:

1. Should I pay off my student loans or invest my cash?
2. Should I increase investments in real estate or stocks?
3. Is it better to pay off my mortgage or auto loan?

Plus, small but mighty update: AI Chat now scrolls downward for easier reading and follow-ups.

We have several other major updates to the AI experience coming soon.

Linking your financial institutions

Faster additions of financial accounts

We’ve upgraded account search and routing to the best available broker or bank. Most institutions now have a backup path — if something fails, just tap Try alternative.

For example, if Schwab fails with Plaid, you can also connect with SnapTrade.

Faster search

Link with alternative

SnapTrade partnership

Alongside Plaid and Finicity, SnapTrade helps us reach more institutions to support additional investment detail (including dividends and options). Expect more depth here in the near future.

Roadmap announced in September 2025

• Major AI conversation + insights upgrades
• Expanded options support
• Live connections for more liability accounts
• Additional crypto tracking (including wallets/addresses)
• Increased personalization

Record assets and debt without counting equity twice

For illustration, a home estimated at $700,000 with a $300,000 mortgage contributes $400,000 to net worth. Entering $400,000 as the home's value and also subtracting the mortgage would understate equity. Entering the $700,000 home plus a separate $400,000 equity asset would overstate it.

Keep the valuation date and source with manual assets. A house estimate, startup stake or collectible can change in value without generating available cash; an estimate is not a guaranteed sale price. Those distinctions matter when comparing loan repayment with investing.

Ask a debt question with the relevant details

Try: “Compare this loan's balance, APR, payment and term with my cash reserves and goals. Identify anything missing before discussing an extra payment.” A low-rate mortgage and a high-rate credit card can require different reasoning, but an account label alone is not enough.

If you use an alternative connection route, check whether it added a duplicate of an existing account and reconcile the latest balance. The providers and forthcoming features listed above describe this release; use current help for today's connection coverage.

By Manish Jain, CFA, co-founder of Mezzi. Original publication date retained; editorial clarification September 26, 2026.

This historical product update is for informational purposes. Examples are illustrative, not investment recommendations or promised results. Account coverage and data quality affect analysis. Review assumptions before acting; AI can make mistakes.