Track any loan (car, motorcycle, personal, etc). Link it to the asset it financed to see your real equity — Asset Value − Remaining Principal — calculated automatically.

Track money other people owe you. Repayments land in your account and count toward net worth, but aren't counted as income.

Money the group pooled for something (a gift, a trip) that one person is holding. It counts as a liability against net worth, not your income — and spending it isn't counted as your expense either.