get_net_worth_trend

Erzeugt

Aus dem Code erzeugt mit python -m docsgen; ein Test schlägt fehl, sobald die Seite nicht mehr übereinstimmt. Die Beschreibungen stammen aus dem Code und bleiben auf Englisch: In dieser Sprache lesen Agenten sie.

Zweck

Assets, debts and net worth at the end of each month, to see debts go down.

Use it for “is my debt going down?”, “am I paying off my loans?” or “how did my net worth change over the year?”. Every account counts, tracking ones included: credit cards, lines of credit, loans, mortgages and other liabilities are debts; every other account is an asset. A closed account counts for the months it still had a balance. Each month end is today’s balance less the transactions dated after it; the current month shows today’s balances. Amounts in currency units; debts are negative, as YNAB shows them, and net_worth is assets plus debts. For each account’s balance today use list_accounts; for the months ahead, forecast_balance. Two YNAB requests: accounts, transactions; changes nothing.

Verhalten

Art	nur lesend
Bestätigung	nein
Rückgängig	nein
Idempotent	ja
YNAB-Anfragen	2 für das Beispiel unten, leerer Cache

Parameter

Name	Typ	Pflicht	Standard	Beschreibung
plan_id	string	ja	—	YNAB plan id or ‘last-used’.
months_count	integer	nein	12	Number of months to show, the current one included, 1 to 24 (default 12).

Rückgabe

Feld	Typ	Beschreibung
months	array of object	One entry per month, oldest first.
months[].month	string	The month, YYYY-MM-01; its figures are those of its last day, today for this month.
months[].assets	number	Balance of the asset accounts: checking, savings, cash, other assets.
months[].debts	number	Balance of the debt accounts (cards, loans, mortgages), negative while money is owed.
months[].net_worth	number	Assets plus debts: what would be left if every debt were paid.
first_net_worth	number	Net worth at the end of the first month shown.
last_net_worth	number	Net worth at the end of the last month shown: today’s.
change	number	Last minus first: positive when the net worth grew.
accounts	array of string	Names of the accounts counted: the open ones, and the closed ones that still had a balance at one of these month ends.

Beispiel

Argumente:

{
  "plan_id": "demo-budget",
  "months_count": 18
}

Antwort auf dem Demo-Budget:

{
  "months": [
    {
      "month": "2025-04-01",
      "assets": 3159.6,
      "debts": -27197.81,
      "net_worth": -24038.21
    },
    {
      "month": "2025-05-01",
      "assets": 4234.45,
      "debts": -26644.06,
      "net_worth": -22409.61
    },
    {
      "month": "2025-06-01",
      "assets": 5254.15,
      "debts": -26088.74,
      "net_worth": -20834.59
    },
    {
      "month": "2025-07-01",
      "assets": 6129.4,
      "debts": -25531.85,
      "net_worth": -19402.45
    },
    {
      "month": "2025-08-01",
      "assets": 5570.8,
      "debts": -24973.39,
      "net_worth": -19402.59
    },
    {
      "month": "2025-09-01",
      "assets": 6680.6,
      "debts": -24413.35,
      "net_worth": -17732.75
    },
    {
      "month": "2025-10-01",
      "assets": 7814.7,
      "debts": -23851.73,
      "net_worth": -16037.03
    },
    {
      "month": "2025-11-01",
      "assets": 8882.35,
      "debts": -23288.52,
      "net_worth": -14406.17
    },
    {
      "month": "2025-12-01",
      "assets": 8382.35,
      "debts": -22723.71,
      "net_worth": -14341.36
    },
    {
      "month": "2026-01-01",
      "assets": 9601.9,
      "debts": -22157.3,
      "net_worth": -12555.4
    },
    {
      "month": "2026-02-01",
      "assets": 10783.8,
      "debts": -21589.29,
      "net_worth": -10805.49
    },
    {
      "month": "2026-03-01",
      "assets": 13674.21,
      "debts": -20986.77,
      "net_worth": -7312.56
    },
    {
      "month": "2026-04-01",
      "assets": 15014.96,
      "debts": -20665.47,
      "net_worth": -5650.51
    },
    {
      "month": "2026-05-01",
      "assets": 16342.36,
      "debts": -20342.97,
      "net_worth": -4000.61
    },
    {
      "month": "2026-06-01",
      "assets": 17759.61,
      "debts": -20019.26,
      "net_worth": -2259.65
    },
    {
      "month": "2026-07-01",
      "assets": 19180.55,
      "debts": -19694.33,
      "net_worth": -513.78
    },
    {
      "month": "2026-08-01",
      "assets": 20554.27,
      "debts": -19368.18,
      "net_worth": 1186.09
    },
    {
      "month": "2026-09-01",
      "assets": 20270.86,
      "debts": -19040.81,
      "net_worth": 1230.05
    }
  ],
  "first_net_worth": -24038.21,
  "last_net_worth": 1230.05,
  "change": 25268.26,
  "accounts": [
    "Girokonto",
    "Sparkonto",
    "Gemeinsames Sparkonto",
    "Autokredit",
    "Studienkredit",
    "Alte Bank"
  ]
}

Fehler

Dieses Tool erzeugt keine eigenen Fehler; Fehler von YNAB kommen als Error calling tool '<tool>': YNAB <status>: <detail> zurück.

Siehe auch

• Vorausplanen