Net Worth Agent Skill

Net Worth Tracker

Overview

Calculates your net worth by combining transaction-derived data (savings deposits, investment contributions, debt payments) with user-provided account balances. Produces a formatted net worth statement and tracks changes over time.

Wilson Tools Used

• transaction_search — find savings deposits, investment contributions, and debt payments to identify accounts and activity

Workflow

• Run transaction_search with query: "savings OR transfer to savings OR deposit" and months: 3 to identify savings account activity.
• Run transaction_search with query: "investment OR 401k OR IRA OR brokerage OR Vanguard OR Fidelity OR Schwab" and months: 3 to find investment contributions.
• Run transaction_search with query: "mortgage OR loan payment OR student loan OR auto loan" and months: 3 to find liability-related payments.
• From the results, compile a list of accounts detected (savings accounts, investment accounts, loan accounts).
• Ask the user to provide current balances for each detected account, plus any accounts not visible in transactions (home value, vehicle value, other assets, credit card balances).
• Organize into a net worth statement:

   ASSETS
   ──────────────────────────────────
   Checking Accounts       $X,XXX.XX
   Savings Accounts        $X,XXX.XX
   Investment Accounts     $X,XXX.XX
   Retirement (401k/IRA)   $X,XXX.XX
   Property                $X,XXX.XX
   Vehicles                $X,XXX.XX
   Other Assets            $X,XXX.XX
   ──────────────────────────────────
   TOTAL ASSETS            $XX,XXX.XX

   LIABILITIES
   ──────────────────────────────────
   Credit Cards            $X,XXX.XX
   Student Loans           $X,XXX.XX
   Auto Loans              $X,XXX.XX
   Mortgage                $X,XXX.XX
   Other Liabilities       $X,XXX.XX
   ──────────────────────────────────
   TOTAL LIABILITIES       $XX,XXX.XX

   ══════════════════════════════════
   NET WORTH               $XX,XXX.XX
   ══════════════════════════════════

• If the user has run this skill before and provides previous balances, calculate the change in net worth and show the delta.
• Highlight the biggest contributor to net worth growth or decline.

Without Wilson

• Open a new Google Sheets spreadsheet or download a net worth template (NerdWallet and Mint both offer free ones).
• Create two sections: Assets and Liabilities.
• For assets, log in to each account and record current balances:
• Bank accounts: check your banking app or website
• Investment accounts: Vanguard (balances page), Fidelity (portfolio summary), Schwab (account summary)
• Retirement: check your 401k provider portal or most recent statement
• Property: use Zillow Zestimate or Redfin estimate (search your address)
• Vehicles: check Kelley Blue Book (kbb.com) private party value
• For liabilities, gather current balances:
• Credit cards: check each card's current balance online
• Student loans: log into studentaid.gov for federal, or your servicer for private
• Mortgage: check your most recent statement or lender portal
• Auto loans: check your lender portal or most recent statement
• Sum assets and liabilities separately, then calculate: Net Worth = Total Assets - Total Liabilities.
• Save the file with today's date. Repeat monthly to track trends.
• In Google Sheets, use =SUM(B2:B8) for total assets and =SUM(B10:B15) for total liabilities. Net worth: =B9-B16.

Important Notes

• Wilson can identify accounts from transaction activity but cannot determine current balances. The user must provide balances manually.
• Property and vehicle values are estimates. Use conservative figures.
• Net worth is a snapshot — it changes daily with market fluctuations. Monthly tracking is sufficient for most people.
• Do not include personal property (furniture, electronics, clothing) unless it has significant resale value.