Personal Finance

Net Worth Snapshot Prompt for Finta MCP

Paste this prompt into your AI assistant to calculate your net worth over time, break down assets and liabilities, identify what's driving changes, and get a 12-month forward projection at your current pace.

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Prompt
Using my Finta data — including account balance history — calculate and analyze my net worth over time.

**1. Net worth today**
- Cash and savings: all checking and savings account balances
- Investments: brokerage, retirement, and any other investment accounts
- Liabilities: credit card balances, loans, lines of credit
- Net worth = Total Assets − Total Liabilities

**2. Net worth over time**
Using my account balance history, calculate net worth at each available point in time (monthly if possible). Build a timeline showing:
- Net worth at the earliest date in my history
- Net worth at 6-month intervals since then
- Net worth today
- Total change and percentage change over the full period

If balance history is available for different account types (cash vs. investments vs. liabilities), show each component's trend separately so I can see what's actually driving the overall number.

**3. Composition breakdown**
- What percentage of my assets are liquid (cash and easily accessible savings)?
- What percentage are invested (retirement + brokerage)?
- How has this mix shifted over time?

**4. Trend analysis**
- Is my net worth trending up, flat, or down over the past 12 months?
- What's the primary driver — savings accumulation, investment growth, debt reduction, or a combination?
- Are there any inflection points worth noting (a big jump or drop)?
- At my current pace, what will my net worth be in 12 months?

**5. Optimization opportunities**
- Is too much sitting in low-yield cash that could be working harder?
- Are high-interest liabilities eroding net worth faster than my assets are growing?
- What's the single action that would most accelerate net worth growth from here?

Show actual numbers throughout. Where balance history has gaps, note them rather than interpolating.

Net Worth Snapshot Prompt for Finta MCP

Your true financial position, tracked over time. This prompt calculates net worth from your actual account balances, builds a historical timeline, and identifies what's driving the number up or down — so you know whether your financial trajectory is heading where you want it to go.

What this prompt covers

  • Net worth today — total assets minus total liabilities from your connected accounts
  • Historical timeline — net worth at each point in your balance history, up to monthly granularity
  • Component trends — cash, investments, and liabilities tracked separately
  • Composition breakdown — how liquid vs. invested your assets are, and how that mix has shifted
  • Trend analysis with a 12-month forward projection
  • Optimization opportunities — where the biggest lever is right now

How to use it

  1. Make sure all your financial accounts are connected in Finta — the more complete, the better
  2. Install the Finta MCP server in your AI client
  3. Copy the prompt above and paste it into your AI
  4. Send — no modifications needed unless you want to add a home value (see FAQ)

Getting the most out of the timeline

The timeline is only as good as your balance history. If you connected accounts recently, you'll have less history to work with. To maximize it:

  • Connect accounts you're actively tracking as early as possible
  • Don't disconnect and reconnect accounts — this creates gaps in the history
  • Add home equity manually if applicable: "My home is worth approximately $[X]. Factor this into net worth as an asset and subtract my mortgage balance."

Combine it with other prompts

This is the anchor prompt for a full financial audit. It pairs with:

  • Spending Analysis — see whether high spending is showing up as slower net worth growth
  • Debt Payoff Planner — identify which liabilities are the biggest drag on net worth
  • Dividend & Passive Income — see how your income-generating assets contribute to total wealth
  • Retirement Readiness Check — retirement accounts are typically the largest long-term asset
For a full audit, run all six prompts and finish with: "Based on everything you've seen across my spending, debt, investments, and net worth — what are my top 5 priorities for the next 90 days?"

Connect your accounts once. Ask anything.

Set up Finta MCP to give your AI assistant read-only access to your real financial data — then use these prompts to get instant analysis.

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