In short
Because securities settlements and new lots would otherwise look like price gains. That's why Wealth change on the Overview separates several parts.
In short: change in wealth = markets + income − spending + settlement + holdings catch-up + remainder.
- Markets: valuation at current prices against the start of the month (or against the purchase, if you bought this month), including the realised result on sells.
- Cash: Actuals income minus spending. A securities settlement on your current account is usually a transfer and doesn't count as spending.
- Settlement: a current-account booking this month for Activity trades from last month (typically two days later). Buys in the same month stay out.
- Holdings: names a gap when the last snapshot before the month is missing positions that appear during the month without matching trades.
- Remainder: only what's still unexplained, with labels such as Cash (accounts that Actuals don't cover), New lots or Other. Small remainders are hidden.
This month · Last month switches between the current month and the closed previous month.
Unsettled trades below the total are separate: fresh trades in Activity without a matching securities settlement on your current account. The total stays the bank's figure. The line is a hint, not a changed total.
Tap Explain on the card to see the formula, the parts and the evidence. Explain is included in every plan and isn't an AI feature.
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- What does 'Explain' next to a number do? Explain shows how a number is made up: tap the small Explain next to a figure, and a side sheet opens with the formula, its parts and the rows behind it. Explain is included in every plan, including Free, and isn't an AI feature.
- What does the Overview show? The Overview is your morning picture of wealth and household cash flow: total wealth, day change, the mix of cash, stocks and Bitcoin, a 30-day wealth trend and, if your budget is active, This month.