Track your net worth with an AI agent

6 min read
Direct answer: Connect your checking, savings, credit cards, loans, and brokerage accounts with BankBridge, then ask your agent to list every balance and total assets minus liabilities. Add assets it cannot see, like a home or car, as fixed numbers you provide. Because BankBridge keeps no history, have the agent append each month's snapshot to a file or note so you can track the trend.

What your agent can see

With BankBridge connected, one call to list_accounts returns every connected account with its type, subtype, current balance, available balance, and credit limit where there is one. Types cover depository (checking, savings), credit (cards), loan (auto, student, mortgage where the lender supports linking), and investment.

For brokerages, list_holdings adds the positions: ticker, quantity, price, value, and gain or loss when cost basis is available.

Connect every institution you hold money or debt with. A net worth figure that misses one card is wrong in the direction you will not notice. See connecting multiple banks to one agent.

Take the first snapshot

“List all my accounts with current balances, grouped into cash, investments, credit cards, and loans. Total assets, total liabilities, and net worth. Treat credit and loan balances as amounts owed.”

Read the result once against your bank apps. Two things to check: that every account showed up, and that card balances were subtracted. If a bank is disconnected, BankBridge returns a warning with a reconnect link and the agent is instructed to tell you, so a missing account should not go unnoticed. If it does, see why can't my agent see my bank.

In Claude Code, the plugin's /balances command gives a balance snapshot with a running total and credit utilization.

Add what it cannot see

Some of your net worth is not in a financial account: a home, a car, a private business stake, a 401(k) at a provider you have not connected. Give the agent those as fixed numbers and say when you last updated them:

“Also include: home estimate $410,000 (updated June), car $14,000. Mortgage balance is already in the loan accounts.”

Keep manual values conservative and update them a few times a year. A home estimate that moves every month makes the trend line meaningless.

Keep a monthly history

BankBridge keeps no copy of your balances, so there is no history on our side to chart. That is by design (see why we don't cache your data). You keep the history instead. In Claude Code, ask on the first of each month:

“Append today's snapshot to net-worth.csv: date, cash, investments, other assets, credit cards, loans, net worth. Create the file if it does not exist. Then show the last 12 rows and the change from last month.” 
date,cash,investments,other_assets,credit_cards,loans,net_worth
2026-09-01,18450,62310,424000,-2140,-301200,201420
2026-10-01,19020,63880,424000,-1875,-300410,204615

The numbers above are example values. In the Claude apps, keep the table in a Project's knowledge and ask Claude to give you the updated table to paste back.

Questions worth asking each month

  • “What changed net worth the most this month: saving, market moves, or debt paydown?”
  • “How much cash is above three months of expenses?” (see find idle cash)
  • “What is my allocation across stocks, bonds, and cash?” (see the investment health check)
  • “At my current paydown rate, when are the cards at zero?” (see debt payoff plan)

Connect your accounts ($5 per month per bank) and take the first snapshot today. The trend starts with month one.

FAQ

Does BankBridge track my net worth over time?

No. BankBridge fetches live balances on each request and keeps no copy, so it has no history to chart. Keep the history yourself: a CSV in Claude Code, a note, or a Claude Project. The agent can append a row each month.

Are credit card balances subtracted automatically?

The agent sees each account's type (depository, credit, loan, investment) and current balance. Credit and loan balances are amounts owed, so ask it to subtract them. Check the first result to make sure it did.

Can it include my house or car?

Only as numbers you give it. BankBridge reads accounts from financial institutions; it has no home or vehicle valuations. Put your estimate and the mortgage or auto loan balance in your snapshot file, or connect the mortgage lender if it supports account linking.

Which investment data is available?

For brokerages that support it, current holdings with quantity, price, value, and cost basis where the brokerage provides it, plus investment transactions such as buys, sells, dividends, and fees.

How often should I check?

Monthly is enough for a trend. Daily checks mostly show market noise in investment accounts.