Net Worth Tracker

Complete financial picture - all assets, liabilities, and net worth in one view.

Overview

Inspired by Personal Capital/Empower: track your entire financial life, not just trading accounts. See your true net worth and progress toward goals.

Account Types

Assets

Liquid:
  - Bank accounts (checking, savings)
  - Brokerage accounts
  - Crypto wallets
  - Cash equivalents

Investments:
  - Stocks, ETFs, mutual funds
  - Bonds, CDs
  - Retirement accounts (401k, IRA, Roth)
  - Crypto holdings

Real Assets:
  - Real estate (home equity)
  - Vehicles
  - Collectibles, art
  - Precious metals

Other:
  - Business equity
  - Private investments
  - HSA, 529 plans

Liabilities

Debt:
  - Mortgage
  - Auto loans
  - Student loans
  - Credit cards
  - Personal loans
  - HELOC

Net Worth Calculation

Net Worth = Total Assets - Total Liabilities

Example:
├── Assets: $450,000
│   ├── Liquid: $25,000
│   ├── Investments: $175,000
│   ├── Retirement: $150,000
│   └── Home Equity: $100,000
├── Liabilities: $180,000
│   ├── Mortgage: $150,000
│   ├── Student Loans: $25,000
│   └── Credit Cards: $5,000
└── NET WORTH: $270,000 ✓

Tracking Features

Historical Trend

Net Worth Over Time:
$300k ┤                          ╭───
      │                     ╭────╯
$250k ┤                ╭────╯
      │           ╭────╯
$200k ┤      ╭────╯
      │ ╭────╯
$150k ┤─╯
      └─────────────────────────────
       2024    2025    2026

Monthly Changes

February 2026:
├── Starting: $265,000
├── Investment Gains: +$8,000
├── Savings Added: +$3,000
├── Debt Paid: -$2,000 (liability ↓)
├── Spending: (tracked separately)
└── Ending: $274,000 (+3.4%)

Asset Allocation

Your Allocation:
├── 🟦 Stocks: 45%
├── 🟩 Crypto: 20%
├── 🟨 Real Estate: 22%
├── 🟧 Bonds: 8%
└── ⬜ Cash: 5%

Recommended for your age (35):
├── Stocks: 65%
├── Bonds: 25%
└── Cash: 10%

Goal Tracking

Retirement Planning

retirement:
  target_age: 55
  target_amount: $2,000,000
  current_savings: $325,000
  monthly_contribution: $2,500
  expected_return: 7%

projection:
  on_track: true
  projected_at_55: $2,450,000
  safe_withdrawal: $98,000/year (4% rule)

Custom Goals

goals:
  - name: "House Down Payment"
    target: $100,000
    current: $45,000
    deadline: "2027-06-01"
    progress: 45%

  - name: "Emergency Fund"
    target: $30,000
    current: $28,000
    progress: 93%

Integrations

• Banks: Plaid connection
• Brokerages: Direct API
• Crypto: Wallet addresses
• Real Estate: Zillow/Redfin estimates
• Retirement: 401k/IRA providers

Privacy & Security

• Read-only connections
• No trading permissions
• Local encryption option
• No data selling

Commands

kit networth show
kit networth history --months 12
kit networth breakdown --type assets
kit networth add-account --type bank --name "Chase Checking"
kit networth add-manual --type "Home" --value 350000
kit networth goal-add --name "Retirement" --target 2000000
kit networth export --format pdf

Alerts

• 📈 Net worth milestone reached
• 📉 Significant drop (>5%)
• 🎯 Goal progress update (monthly)
• ⚠️ Debt-to-asset ratio warning