Net Worth Tracker¶

The net worth tracker monitors all your accounts over time, providing a comprehensive view of your financial health.

Account Groups¶

Every account belongs to one of 5 groups:

Data Model¶

erDiagram
    NetWorthEntry {
        string name
        decimal balance
        string account_group
        date date
        FK user
    }
    NetWorthEntryHistory {
        decimal amount
        date date
        FK entry
    }
    NetWorthEntry ||--o{ NetWorthEntryHistory : "tracked over time"

• NetWorthEntry — Each account (e.g., "Chase Checking", "Vanguard 401k") with current balance and group
• NetWorthEntryHistory — Per-account snapshots over time for historical tracking

8 Key Metrics¶

1. Liquid Months — Cash reserves ÷ monthly expenses. How many months could you survive without income?
2. Debt-to-Asset Ratio — Total liabilities ÷ total assets. Lower is better (< 0.5 is healthy).
3. FI Ratio — Net worth ÷ annual expenses. Target: 25x (the "4% rule" for financial independence).
4. Savings Rate — Month-over-month net worth growth as a percentage.
5. Invested Capital — (Investments + Retirement) as a percentage of total net worth.
6. Liquid Net Worth — Cash and liquid assets minus all debts.
7. Debt Payoff Timeline — Months to pay off all debt at current paydown rate.
8. Retirement % — Retirement accounts as a percentage of total net worth.

Visualizations¶

Trend Chart¶

Three solid lines tracking Assets (blue), Net Worth (green), and Liabilities (red) over time. Built with Chart.js.

Asset Allocation Donut¶

A donut chart showing the breakdown by account group. Uses chartjs-plugin-datalabels for permanent labels showing both dollar amount ($XXK) and percentage (XX.X%).

Stacked Area Chart¶

Shows net worth composition over time — how the proportion of liquid/investment/retirement/liability changes month to month.

Collapsible Group Breakdown¶

Expandable cards for each of the 5 groups showing individual account balances within that group.

Demo Data¶

The demo2 account contains Jose's real financial snapshot:

• 34 accounts across all 5 groups
• 204 history records (6 time periods × 34 accounts)
• $470,476.11 net worth (verified against source spreadsheet)
• Breakdown: $68K liquid, $176K investments, $230K retirement, $16K liabilities, $12K other