get_net_worth_trend

What it does

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.

Behaviour


Kind	read-only
Confirmation	no
Undo	no
Idempotent	yes
YNAB requests	2 for the example below, on a cold cache

Parameters

Name	Type	Required	Default	Description
`plan_id`	string	yes	—	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).

Returns

Field	Type	Description
`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.

Example

Arguments:

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

Answer on the 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": [
    "Checking",
    "Savings",
    "Joint savings",
    "Car loan",
    "Student loan",
    "Former bank"
  ]
}

Errors

This tool raises no error of its own; YNAB’s errors come back as Error calling tool '<tool>': YNAB <status>: <detail>.