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[Feature] Asset Depreciation / Value Tracking over time #2841
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Reference: github-starred/actual#2841
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Originally created by @Connexiumlabs on GitHub (Jan 19, 2026).
Verified feature request does not already exist?
💻
Pitch: what problem are you trying to solve?
Hello all,
My pitch 😇:
As far as I know, based on my experience using Actual so far, Tracking Accounts for physical assets (vehicles, electronics, appliances) are static. For a residential user (particulier), this makes the Net Worth report increasingly inaccurate. A car bought for $30k shouldn't show as a $30k asset three years later; it 'lies' to me about my true financial position.
The Goal:
I want my budget data to be honest. I am looking for a way to reflect 'Value Decay' without manual monthly math. I see two valid use cases for this:
Manual Adjustments: A quick way to 'true-up' an asset balance periodically based on current market data (e.g., checking a resale site).
Automated Value Tracking: A 'set-and-forget' option where the account balance automatically decays (e.g., 2% monthly) using Declining Balance (percentage-based) or Straight Line (fixed amount) logic.
Why this matters for a household:
Honest Net Worth:
Prevents the dashboard from showing an inflated reality as assets age.
Replacement Planning:
Seeing an asset balance slowly drop toward zero is a great visual reminder to start a Sinking Fund for its eventually necessary replacement.
The Concept:
I’d love to see an optional 'Automated Adjustment' toggle on Tracking Accounts. This logic is standard in systems like CCA (Canada) or MACRS (USA). Providing these as optional templates would be a huge win for household data integrity.
I recognize this is likely a medium-term priority, but I wanted to share this concept as a way to further refine Actual’s already excellent reporting.
Thank you so much for all the hard work you put into this project; it has made a huge difference in how I manage my family's finances!
Official Reference Links for the "Math"
Canada (CRA - Capital Cost Allowance)
CRA: Classes of Property & Rates
CRA: The Math of 'Declining Balance'
United States (IRS - MACRS)
IRS: Publication 946 - How to Depreciate Property
IRS: Standard 'Useful Life' Table
edit: typos and better text formatting
@github-actions[bot] commented on GitHub (Jan 19, 2026):
✨ Thanks for sharing your idea! ✨
This repository uses a voting-based system for feature requests. While enhancement issues are automatically closed, we still welcome feature requests! The voting system helps us gauge community interest in potential features. We also encourage community contributions for any feature requests marked as needing votes (just post a comment first so we can help guide you toward a successful contribution).
The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+
Don't forget to upvote the top comment with 👍!
@youngcw commented on GitHub (Jan 19, 2026):
You probably can make a schedule that auto posts once per year that adjusts the balance. You will probably need to use formulas to do it.