Building a Custom Calculation
Last updated: August 13, 2026
All calculations, goals, and metrics in Threshold are for educational purposes only and should not be taken as investment or financial advice.
Custom calculations combine account balances, spending, income, groups, goals, other calculations, and fixed numbers. The result updates automatically.
The builder flow
- In Build mode, tap + → Calculation → “Create Custom Calculation.”
- Pick your first operand, which is the starting value.
- Pick an operator: + − × ÷
- Pick your second operand.
- Add more steps to build multi-part formulas.
- Name it, choose a result format, and save it to the Calculations section.
What you can use as operands
| Operand type | What it provides |
|---|---|
| Account balance | Current balance of a specific connected or manual account |
| Spending | Total spending across all accounts for a time window |
| Category spending | Spending filtered to specific transaction categories |
| Income | Total income across all accounts for a time window |
| Net Worth | Current total assets minus total liabilities |
| Group balance | Aggregated balance of a specific group |
| Goal | A goal's funded amount or target |
| Another calculation | The result of any other custom calculation (composability) |
| Fixed number | A static value you enter (e.g., 12 for months in a year) |
Spending and income operands use the same time window options as the built-in calculations: Selected Month, This Month, Last Month, Last 3 Months, Trailing 12 Months, Year to Date, and All Time.
Math functions
The builder also supports these math functions:
- Unary: ln, exp, sqrt, abs, round
- Binary: pow, min, max
Result formats
When you create a calculation, you choose how the result is displayed:
- Currency ($): for dollar amounts
- Percentage (%): for ratios and rates
- Number (#): for counts or multipliers
Examples
“Liquid Net Worth”
(Checking balance + Savings balance + Brokerage balance + Retirement balance) − Credit card balance. Excludes illiquid assets like real estate on purpose.
“Emergency Fund Coverage”
Emergency fund balance ÷ Spending (Last 3 Months ÷ 3). Result: number of months of expenses covered. Use the Number format.
“Housing Cost Ratio”
Category spending (Rent + Mortgage) ÷ Income. Result: what percentage of your income goes to housing. Use the Percentage format.
Using calculations in other calculations
Calculations can reference other calculations. Build a “Monthly Spending” calculation, then use it as an operand in an “Emergency Fund Coverage” calculation. When the underlying number changes, the second calculation updates automatically.