get_net_worth_trend

Gegenereerd

Gegenereerd uit de code door python -m docsgen; een test faalt zodra de pagina niet meer overeenkomt. De beschrijvingen komen uit de code en blijven in het Engels: de taal waarin agents ze lezen.

Doel

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.

Gedrag

Soort	alleen lezen
Bevestiging	nee
Ongedaan maken	nee
Idempotent	ja
YNAB-verzoeken	2 voor het voorbeeld hieronder, lege cache

Parameters

Naam	Type	Verplicht	Standaard	Beschrijving
plan_id	string	ja	—	YNAB plan id or ‘last-used’.
months_count	integer	nee	12	Number of months to show, the current one included, 1 to 24 (default 12).

Resultaat

Veld	Type	Beschrijving
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.

Voorbeeld

Argumenten:

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

Antwoord op het demobudget:

{
  "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": [
    "Betaalrekening",
    "Spaarrekening",
    "Gezamenlijke spaarrekening",
    "Autolening",
    "Studielening",
    "Vorige bank"
  ]
}

Fouten

Deze tool geeft zelf geen fouten; fouten van YNAB komen terug als Error calling tool '<tool>': YNAB <status>: <detail>.

Zie ook

• Vooruit plannen