get_net_worth_trend

Generado

Generado desde el código con python -m docsgen; una prueba falla si deja de coincidir. Las descripciones vienen del código y se mantienen en inglés: es el idioma en que las leen los agentes.

Qué hace

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.

Comportamiento

Tipo	solo lectura
Confirmación	no
Deshacer	no
Idempotente	sí
Peticiones a YNAB	2 para el ejemplo de abajo, con la caché vacía

Parámetros

Nombre	Tipo	Obligatorio	Por defecto	Descripción
plan_id	string	sí	—	YNAB plan id or ‘last-used’.
months_count	integer	no	12	Number of months to show, the current one included, 1 to 24 (default 12).

Devuelve

Campo	Tipo	Descripción
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.

Ejemplo

Argumentos:

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

Respuesta sobre el presupuesto de demostración:

{
  "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": [
    "Cuenta corriente",
    "Ahorro",
    "Ahorro común",
    "Préstamo del coche",
    "Préstamo de estudios",
    "Banco anterior"
  ]
}

Errores

Esta herramienta no lanza errores propios; los errores de YNAB llegan como Error calling tool '<tool>': YNAB <status>: <detail>.

Ver también

• Planificar