NetWorth OS

A premium personal net worth and financial health command center, built on the real figures from your "Networth statement 2025-26" spreadsheet (₹382.43L assets, ₹128.51L liabilities, ₹317.28L insurance cover, ₹253.92L net worth — verified to match the source sheet exactly).

Tech stack

Next.js 14 (App Router) · React 18 · TypeScript · Tailwind CSS · Framer Motion · Recharts · Prisma · PostgreSQL · NextAuth · the Anthropic SDK for the "ask your finances" panel.

What's fully implemented

• Prisma schema — Asset, Liability, InsurancePolicy, AssetHistory, NetWorthSnapshot, AuditLog, User with Role (OWNER/EDITOR/VIEWER).
• Seed script (prisma/seed.ts) — every line item from the spreadsheet, correctly categorized, loads with one command.
• Dashboard — animated net worth counter, assets vs liabilities, insurance cover, liquidity, debt-to-asset ratio, financial health score (0–100, six weighted components with real formulas in src/lib/calculations.ts), asset allocation donut, net worth timeline area chart, AI recommendations, and a live "ask your finances" panel wired to Claude.
• Assets module — cards grouped by category (stocks, mutual funds, gold, real estate, vehicles, bank accounts, PF/NPS, cash, other), each showing value, gain/loss, allocation %, and a liquidity badge.
• Liabilities module — cards by category with EMI, interest rate, remaining tenure, and an animated payoff progress ring.
• Insurance module — cards per policy with provider, type, sum assured, premium, nominee, expiry, and share-of-cover bar.
• Analytics — debt-to-asset, liquidity score, insurance-to-net-worth, allocation treemap, a risk meter, and the full health-score component breakdown with plain-language detail per metric.
• CRUD APIs — GET/POST /api/assets, /api/liabilities, /api/insurance, plus PATCH/DELETE on /api/{module}/[id], each writing to AuditLog.
• CSV export — /api/export/csv?type=assets|liabilities|insurance.
• PDF report — /api/export/pdf generates a real one-page summary with pdf-lib (not a stub — actually renders your numbers).
• Auth scaffold — NextAuth credentials provider against the seeded user; swap in Google/GitHub OAuth or bcrypt password checks for production.
• Dark theme — ink/gold premium palette tuned for this build (see tailwind.config.ts); the design intentionally avoids generic SaaS blue/purple.

What's scaffolded, not finished

These are real architectural pieces with a clear extension point, but not fully built out — finishing them is straightforward given the patterns already in the codebase:

• Light mode — the theme toggle button exists in the topbar but isn't wired to a data-theme class switch yet.
• CSV/Excel import — export works; add a papaparse-based upload route mirroring the CRUD POST handlers.
• Role-based access enforcement — roles exist on User, but API routes don't yet check session.role before writes. Add a requireRole() guard in each route using getServerSession(authOptions).
• Audit log UI — the model and writes are live; add a table page reading prisma.auditLog.findMany().
• Multi-quarter history — the dashboard timeline currently derives two placeholder prior points from the one real snapshot. Log a NetWorthSnapshot each quarter (a cron job or manual "close quarter" button) to get a real trend line.
• Search and filters — the topbar search input is currently static; wire it to client-side filtering on the assets/liabilities/insurance pages.
• Sankey diagram — call out in the brief but not built; Recharts doesn't ship one natively, so this needs d3-sankey or a dedicated library.

Setup

npm install
cp .env.example .env   # fill in DATABASE_URL, NEXTAUTH_SECRET, ANTHROPIC_API_KEY
npx prisma migrate dev --name init
npm run db:seed
npm run dev

Visit http://localhost:3000. The seed creates one user (owner@networth.local); getCurrentUserId() in src/lib/fetchers.ts resolves to that user until real session-based auth is wired in.

Editing your data

The fastest way to see your own numbers reflected is to edit prisma/seed.ts directly and re-run npm run db:seed — or use the dashboard's CRUD APIs once the app is running. prisma studio (npm run db:studio) gives a spreadsheet-like GUI over the same tables if you'd rather edit rows directly.