💰 Net Worth Tracker

A beautiful CLI tool to track your net worth with cool terminal visualizations and inflation-adjusted analytics.

Track your assets, liabilities, and net worth over time with stunning visualizations, historical charts, and powerful inflation-adjusted comparisons—all from your terminal! 🚀

Repository: github.com/maximedelvaux/networth

⚡ Quick Start

Installation (one-liner):

npm install -g networth

That's it! Now use networth from anywhere in your terminal! 🎉

✨ Features

📊 Core Features

• ✅ Simple asset/liability management - Interactive prompts make tracking effortless
• 💾 Automatic data persistence - All data saved locally in JSON format
• 🎨 Beautiful terminal UI - Colorful output with tables, charts, and progress bars
• 🏷️ Smart categorization - Organize by Cash, Savings, Investment, Real Estate, Crypto, etc.

📈 Advanced Analytics

• 📉 Historical tracking - Automatic daily snapshots (last 30 days)
• 📊 ASCII charts - Visualize your net worth trend over time
• 🔍 Date comparison - Compare any two dates with inflation adjustment
• 💡 Smart insights - AI-powered analysis of your financial health

🎯 Inflation-Adjusted Analysis

• 💰 Nominal vs Real returns - See actual purchasing power changes
• 📈 Compound inflation - Mathematically accurate calculations
• � Annualized returns - Track growth rate per year
• 🚀 Beat inflation - Know if you're building real wealth

📦 Installation

Prerequisites

• Node.js 14 or higher (Download here)

Option 1: Install from npm (Recommended)

npm install -g networth

Now use networth from anywhere!

Option 2: Install from Source

git clone https://github.com/maximedelvaux/networth.git
cd networth
npm install
npm link

Now use networth from anywhere!

Option 3: Local Installation

git clone https://github.com/maximedelvaux/networth.git
cd networth
npm install

Use node index.js from the project directory.

🚀 Usage

Basic Commands

View Summary (Default)

networth
# or
networth summary
networth s

Shows your current net worth with beautiful visualizations and category breakdowns.

Add Assets/Liabilities

networth add

Interactive prompts guide you through adding:

• Assets: Cash, Savings, Investment, Real Estate, Crypto, Other
• Liabilities: Credit Card, Loan, Mortgage, Other

List All Items

networth list

View organized tables of all your assets and liabilities.

View History

networth history
networth h

See your net worth over time with:

• ASCII line chart
• Detailed history table with changes
• Overall trend indicator

Compare Dates

networth compare
networth c

Compare net worth between any two dates:

1. Select start date
2. Select end date
3. Choose inflation adjustment (optional but recommended!)
4. Enter annual inflation rate (defaults to 3%)

See:

• Nominal change (raw dollars)
• Real change (inflation-adjusted purchasing power)
• Annualized returns (both nominal and real)
• Smart insights about inflation performance

Remove Item

networth remove
networth rm

Select and remove an asset or liability from your portfolio.

Update Item

networth update
networth u

Fast bulk update workflow! Update all your assets and liabilities in one go:

• Simply enter new amounts for each item (press Enter to skip)
• See immediate feedback (↑ increase, ↓ decrease)
• Green for good changes, red for concerning ones
• Review summary showing net worth impact
• Confirm before saving

Perfect for monthly updates, tracking investments, property values, and loan balances!

Example:

? Savings Account (Savings) [$15,000]: 16500
  ↑ +$1,500
? Stock Portfolio (Investment) [$50,000]: 
  (skipped)

Clear All Data

networth clear

⚠️ Warning: This permanently deletes all data!

📊 Example Workflow

Day 1: Setup Your Portfolio

# Add your savings
networth add
> Asset
> Savings Account
> Savings
> 15000

# Add investments
networth add
> Asset
> Investment Portfolio
> Investment
> 35000

# Add your mortgage
networth add
> Liability
> Home Mortgage
> Mortgage
> 180000

# Check your starting net worth
networth

Week 1: Track Your Progress

# Quick check
networth

# See the trend
networth history

Month 1: Deep Analysis

# Compare with inflation
networth compare
> Select start: Day 1
> Select end: Today
> Include inflation: Yes
> Inflation rate: 3

# See if you're beating inflation!

💡 Understanding Inflation Analysis

Why It Matters

Even if your net worth grows, you could be losing purchasing power if inflation outpaces your growth!

Example Scenario

Without Inflation Adjustment:

• Start: $100,000 (Jan 2024)
• End: $110,000 (Jan 2025)
• Gain: +$10,000 (10%) ✅ Looks great!

With 3% Inflation Adjustment:

• Start: $100,000 → $103,000 (in 2025 dollars)
• End: $110,000
• Real Gain: +$7,000 (6.8%) 💡 Still good, but less than it seems!

With 12% Inflation:

• Start: $100,000 → $112,000 (in 2025 dollars)
• End: $110,000
• Real Loss: -$2,000 (-1.8%) ❌ Lost purchasing power!

The Math (Compound Inflation)

The tool uses the correct compound formula:

Adjusted Value = Original Value × (1 + inflation_rate)^years

Example: $50,000 over 2 years at 3% inflation

$50,000 × (1.03)² = $50,000 × 1.0609 = $53,045

This accounts for "inflation on inflation" (compounding).

📋 Command Reference

| Command | Alias | Description | |---------|-------|-------------| | networth | - | Show summary (default) | | networth add | - | Add new asset or liability | | networth summary | s | Show net worth summary | | networth list | - | List all items | | networth history | h | View historical chart | | networth compare | c | Compare dates with inflation | | networth remove | rm | Remove an item | | networth clear | - | Delete all data |

🎯 Pro Tips

1. Track Regularly

Add entries weekly or monthly to build meaningful history.

2. Use Realistic Inflation

• US CPI average: ~2-3% (normal times)
• High inflation: 5-8%
• Hyperinflation: 10%+

3. Compare Year-Over-Year

Most meaningful comparisons are 12+ months apart.

4. Update Asset Values

Remove old items and add updated values for accurate tracking.

5. Category Breakdown

Use the category breakdown to see which assets grow fastest.

6. Benchmark Returns

• Inflation: ~3% (break-even)
• Bonds: ~4-5%
• S&P 500: ~10% historical average
• Real wealth building: 7%+ real returns

� Data Storage

All data is stored locally at:

• Windows: C:\Users\<YourName>\.networth\data.json
• Mac/Linux: ~/.networth/data.json

The file contains:

• All your assets and liabilities
• Historical snapshots (last 30 days)
• JSON format (easy to backup/restore)

Backup Your Data

# Windows
copy %USERPROFILE%\.networth\data.json backup.json

# Mac/Linux
cp ~/.networth/data.json backup.json

🎨 Screenshots

Summary View

┌──────────────────────────────────────┐
│              NET WORTH               │
│              $130,000                │
└──────────────────────────────────────┘

📊 ASSET BREAKDOWN
┌─────────────┬──────────┬────────────────────────┐
│ Category    │ Amount   │ Percentage             │
├─────────────┼──────────┼────────────────────────┤
│ Real Estate │ $250,000 │ ████████████████ 79.9% │
│ Investment  │ $35,000  │ ███ 11.2%              │
│ Savings     │ $15,000  │ █ 4.8%                 │
└─────────────┴──────────┴────────────────────────┘

History Chart

📈 NET WORTH HISTORY

  204000 ┤            ╭──
  189200 ┤          ╭─╯
  174400 ┤        ╭─╯
  159600 ┤      ╭─╯
  144800 ┤   ╭──╯
  130000 ┼───╯

Comparison with Inflation

💰 NOMINAL CHANGE: +$45,200 (+34.77%)
📈 REAL CHANGE: +$41,300 (+31.77%) after 3% inflation
📅 ANNUALIZED RETURNS: 34.77% nominal, 31.77% real

💡 INSIGHT: Great job! You beat inflation!

🔧 Troubleshooting

"Command not found: networth"

Run npm link from the project directory.

"Not enough history data"

You need at least 2 data points. Add assets and check back tomorrow!

Numbers look wrong

Enter amounts without commas or $ signs (just the number).

Want to start fresh

Run networth clear to delete all data.

Can't compare dates

Make sure you have at least 2 historical data points.

🤝 Contributing

Contributions are welcome!

1. Fork the repository
2. Create your feature branch (git checkout -b feature/amazing-feature)
3. Commit your changes (git commit -m 'Add some amazing feature')
4. Push to the branch (git push origin feature/amazing-feature)
5. Open a Pull Request

For Maintainers:

• 📦 See NPM_PUBLISHING.md for publishing new versions to npm

Feature ideas:

• [ ] Export to CSV/PDF
• [ ] Multiple portfolios
• [ ] Budget tracking
• [ ] Goal setting
• [ ] Cloud sync
• [ ] Mobile app

📄 License

MIT License - feel free to use and modify!

🎉 Credits

Built with:

• Commander.js - CLI framework
• Inquirer.js - Interactive prompts
• Chalk - Terminal colors
• cli-table3 - Beautiful tables
• asciichart - ASCII charts
• Boxen - Terminal boxes

📞 Support

Found a bug? Have a feature request?

• 🐛 Open an issue
• 💡 Request a feature
• ⭐ Star the repo

🌟 Star This Project!

If you find this tool useful, give it a star on GitHub!

⭐ Star on GitHub

Start tracking your net worth and beat inflation today! 🚀💰📈

networth