net-worth-report

name: net-worth-report description: Generate a consolidated household net worth report from Actual, Ghostfolio, and Finance Graph with source-level provenance. user-invocable: true

/net-worth — Consolidated Net Worth Report

Produce an assets/liabilities snapshot and change analysis using canonical tool sources.

MCP Tool Map

• Cash accounts and card balances: actual-budget.account, actual-budget.analytics(operation="balance_history")
• Portfolio value (read-only): ghostfolio.portfolio(operation="summary")
• Household net worth and debt: finance-graph.get_net_worth, finance-graph.list_assets, finance-graph.list_liabilities, finance-graph.get_liability_summary

Steps

1. Pull all cash and liability-style accounts from Actual and classify asset vs liability balances.
2. Pull investment totals from Ghostfolio.
3. Pull non-portfolio assets and liabilities from Finance Graph.
4. Consolidate into total assets, total liabilities, and net worth.
5. Compare against prior period via actual-budget.analytics(operation="balance_history") plus latest Finance Graph snapshots.

Output Contract

Always include:

• as_of timestamp
• asset buckets and totals
• liability buckets and totals
• net worth and period-over-period change
• composition ratios (liquid vs invested vs illiquid; debt-to-asset)
• provenance + stale/missing-data flags