AI Net Worth Tracker
Ask Claude about your net worth. See how it's changed. Understand what's driving your financial growth.
Powered by get_financial_state MCP tool · Read-only access
How it works
AI-powered net worth analysis in three steps.
Install
Run npx @warmio/mcp to add Warm to your AI client
Connect
Add your API key from Settings → API Keys in Warm
Ask
Ask Claude about your net worth, trends, and projections
The get_financial_state Tool
Claude uses this MCP tool to access your financial state. The snapshots section powers net worth history, while recurring payments, budgets, goals, and health add extra context.
No parameters required
Historical net worth, total assets, and total liabilities
Recurring payments, budgets, goals, and health
Example conversations
Real questions about your net worth, answered by Claude.
You: "What's my net worth?"
Claude: Your current net worth is $127,432. That breaks down to $156,891 in assets (checking, savings, investments, crypto) minus $29,459 in liabilities (credit cards, car loan). Your net worth is up $3,847 from last month.
You: "How has my net worth changed this year?"
Claude: Your net worth started the year at $98,234 and is now $127,432—that's a gain of $29,198 (+30%). The biggest growth came from your investment account (+$18,400) and paying down your car loan (-$4,200 in debt).
You: "Show me my net worth trend for the past 6 months"
Claude: Your net worth over the past 6 months: Aug $108k → Sep $112k (+4k) → Oct $118k (+6k) → Nov $121k (+3k) → Dec $124k (+3k) → Jan $127k (+3k). Steady growth averaging $3,800/month.
You: "What are my biggest assets?"
Claude: Your top assets: Fidelity Investment Account ($78,432), Chase Savings ($42,156), Chase Checking ($18,234), Coinbase Crypto ($12,892), and your car (estimated $15,000). Investments make up 54% of your assets.
You: "How much debt do I have?"
Claude: Your total liabilities: $29,459. This includes your car loan ($18,234 remaining at 4.9% APR), Chase Sapphire ($6,892 balance), and Amex Blue ($4,333 balance). You've paid off $4,200 in debt this year.
You: "When will I hit $150,000 net worth?"
Claude: At your current growth rate of ~$3,800/month, you'd reach $150,000 in about 6 months (around July). If your investment returns match last year's average, it could be as soon as May.
Why AI net worth tracking works
Understand your complete financial picture.
Track Progress Over Time
See how your net worth changes day by day, month by month. Understand your long-term financial trajectory.
Assets vs Liabilities
Get a clear picture of what you own versus what you owe. Claude breaks down the components of your net worth.
Growth Analysis
Understand what's driving your net worth up or down. Identify which accounts contribute most to your growth.
All Account Types
Bank accounts, investments, crypto, real estate, vehicles, credit cards, loans—everything in one view.
Historical Snapshots
Warm saves daily snapshots of your net worth. Ask about any point in time—last week, last year, or 5 years ago.
Goal Projections
Ask when you'll hit your net worth goals. Claude projects based on your historical growth rate.
Your data is secure
Built for security from the ground up.
Read-Only
The MCP server can only query data—it cannot modify balances or transfer money.
Scoped Access
Your API key only accesses your accounts. No one else's data.
Instant Revoke
Delete your API key in Settings and access stops immediately.
Common questions
Everything you need to know about AI net worth tracking.
How does AI net worth tracking work?
Warm's MCP server gives Claude read-only access to your financial state via the get_financial_state tool. The snapshots section includes your net worth history, so Claude can analyze how your assets and liabilities change over time.
What data is included in net worth?
Net worth includes all your connected accounts: checking, savings, credit cards, loans, investments, crypto, and manually tracked assets like real estate or vehicles. Assets minus liabilities equals your net worth.
How far back can I see my net worth history?
Warm stores historical snapshots for Pro users, and Claude uses the snapshots returned through get_financial_state to analyze how your net worth has changed over time.
Can Claude analyze trends in my net worth?
Yes. Claude can compare any time periods, calculate growth rates, identify what's driving changes, and project when you might reach financial goals.
How are investments valued?
Investment accounts sync via Plaid and reflect current market values. Crypto syncs with CoinGecko prices (updated hourly). Manual assets use your entered values.
Is this different from the snapshots page in Warm?
The app shows charts and tables. AI tracking lets you ask questions: "How much did my net worth grow last quarter?", "What's my debt-to-asset ratio?", or "When will I be debt-free?"
Is my net worth data secure?
Yes. The MCP server only has read-only access. It cannot modify account balances, transfer money, or access anything beyond your own accounts. Revoke access instantly by deleting your API key.
Which AI clients support this?
Claude Code, Cursor, Windsurf, Claude Desktop, OpenCode, Codex CLI, Antigravity, and Gemini CLI. Install with npx @warmio/mcp.
Ready to track your
net worth?
Get Pro and start asking Claude about your financial progress.
AI features exclusive to Pro. Install with npx @warmio/mcp