Networthy

Networthy HQ is an innovative, private, self-hosted net-worth tracker tailor-made for Indian investors. This tool empowers users to upload their NSDL CAS and CAMS/KFintech statements, and supplement them with additional assets such as property, gold, and cryptocurrencies to visualize their complete net worth in one consolidated view, complete with live pricing updates.

Privacy is paramount: All sensitive information is processed on the user's own server, ensuring that no data regarding holdings is transmitted off-site. The only outgoing requests are for public price lookups using symbols—cryptos, stocks, and currencies—without ever revealing personal information.

Key Features

• Password-Protected CAS PDF Parsing: Upload and decrypt both NSDL e-CAS and CAMS/KFintech CAS statements to extract and classify data locally.
• Comprehensive Assets & Liabilities Tree: Navigate through various asset classes including equities, crypto, gold, real estate, and more, all contrasted against loans.
• Real-Time Valuation: Receive live valuations of equities sourced from Yahoo Finance, mutual-fund NAVs, and other assets, helping maintain an up-to-date financial overview.
• Expense Planner: Monitor monthly and annual spending with forecasts tailored to net worth goals and financial independence.
• Goal Tracking: Set and plan financial goals with calculations for monthly investments required to achieve them.
• Global Comparison: Anonymously gauge net worth against averages in India, the US, and globally, while ensuring no personal data is transferred.
• Multi-User Support: Each user can sign in with an email and one-time code, ensuring data is kept separate for every account.
• Email Summaries: Optionally receive regular updates on net worth status, enhancing user engagement.

Visualizations and Dashboards

Explore interactive screens to view:

• Net worth distribution through a detailed assets and liabilities tree.
• Historical trends in net worth over time based on statement uploads.
• Specific asset classes such as mutual funds and their NAVs, paired with financial goals to encourage smart planning.

How It Operates

The app functions through a straightforward upload and parse mechanism, where users:

1. Obtain their NSDL or CAMS CAS in password-protected PDF format.
2. Upload these files and manually enter any additional financial information.
3. Utilize the Dashboard and Net-worth tree to keep track of their financial position.

Technical Details

Built using a robust stack including FastAPI, Jinja2, and SQLite, Networthy requires no frontend frameworks, making it lightweight and efficient. It employs pikepdf and pdfplumber libraries for effective PDF parsing, ensuring that data remains secure and under user control.

Deployment and Development

Networthy is simple to deploy on local machines or through Docker, providing the flexibility to run it with minimal setup. Each installation generates a private SQLite database to securely handle and store personal financial data.

This tool is designed with privacy as a core value, maintaining strict data handling procedures to ensure that user financial information remains confidential and secure. For a comprehensive architectural overview, including parsing and data classification processes, refer to the project's detailed documentation.