We purposefully do not subtract your loans from the total. We feel that it is a false evaluation of your net worth and may be demoralizing to some our Honeydue users. Imagine taking out a mortgage and seeing a negative net worth for the next 30 years! It is hard for us to evaluate the real value to you of what you are investing in when you take out the loan. For example, how valuable is the education received from a student loan? It is difficult to standardize this evaluation and we think our users can treat loans as bills -- something that needs to be paid for every month.