How OmniAsset calculates
Every number in OmniAsset is deterministic maths on a signed, dated data snapshot. The same inputs always produce the same result, each result carries the date it was computed from, and anything that can't be verified is withheld — never guessed.
Deterministic, not opinion
Net worth, allocation, returns and the Health check are pure calculations. There is no scoring model, no ranking algorithm and no editorial judgement in the numbers. Given the same holdings and the same market snapshot, the output is identical every time — which is what lets a result be signed and later re-verified.
One signed snapshot, with an as-of date
Public market data (fund NAVs, prices, fund facts, benchmarks) is assembled into a content-addressed reference snapshot with a single as-of date. A Health check or a Compare reads exactly one snapshot for the whole result, so no two figures are ever read from different days. The result is cryptographically signed, and the app renders only the exact bytes that verify.
Net worth
Net worth is the sum of every valued asset minus what you owe. An asset with no reliable price or exchange rate is left out and labelled ("needs a price"), so it is never silently counted as zero and never inflates or deflates the total.
Returns (money-weighted)
Returns are money-weighted (XIRR-style) from your actual contribution dates, so a rupee invested years ago and a rupee invested last month are each weighted by how long it was really at work. Where a cost basis or a current price is missing, the return is marked partial and covers only the holdings it can measure.
Benchmarks — exact, never a proxy
A fund is only ever compared against its own legally-stated benchmark, on a total-return basis over matched periods. If the exact benchmark series isn't available, the comparison is withheld rather than substituted with a convenient index — a proxy benchmark would quietly change the answer.
Missing data is withheld
When a figure can't be verified — a price, an FX rate, a fund fact, a manager tenure — OmniAsset shows that it's unavailable and why. It is never replaced with a zero, an average or a plausible-looking placeholder. Withholding an honest gap is always preferred to presenting a confident guess.
The AI boundary
AI is optional and interpretive only. It reads the deterministic evidence and explains it in plain language; it does not add new facts, compute the numbers, or manufacture market data. Nothing is sent to AI unless you turn it on, and before each send you see exactly what will leave the device. AI output is clearly labelled and is not investment advice.