How far back does the balance history go?

Finta stores account balance history from the date each account was connected. The more accounts you've had connected and the longer they've been linked, the richer your timeline will be. The AI will show what's available and flag gaps.

Does this include home equity or other real estate?

Only if you have a mortgage account connected that shows the outstanding balance. Home equity (value minus mortgage) requires knowing your home's current market value, which Finta doesn't pull automatically. You can tell the AI your estimated home value and it will factor that into net worth.

What's the difference between liquid and invested assets?

Liquid assets are immediately accessible without penalties — checking, savings, and money market accounts. Invested assets include retirement accounts (which have early withdrawal penalties) and brokerage accounts. The composition breakdown shows how accessible your wealth actually is.

How is the 12-month projection calculated?

The AI extrapolates your current net worth trend forward — it uses the rate of change over the past 6-12 months as the basis. It's a trend projection, not a financial forecast. Market volatility, income changes, or large one-time events aren't factored in.

Finta MCP · Personal finance

Updated June 2026

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.

Set up Finta MCP

Free prompt. Works in Claude, Cursor or any MCP client connected to Finta.

Prompt

Send as is, or add a home value

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.

What's inside

Section by section

What the prompt asks for

Five sections built on your balance history. The AI flags gaps in that history instead of filling them in.

Net worth today: Cash, investments and liabilities from your connected accounts, and the net figure.; Accounts
Net worth over time: Net worth at each point in your balance history, with cash, investments and liabilities trended separately where the history allows.; Balance History
Composition breakdown: How much of your assets are liquid and how much invested, and how that mix has shifted.; Accounts · Balance History
Trend analysis: The 12-month direction, what is driving it, any big jumps or drops, and where you land in 12 months at this pace.; Balance History
Optimization opportunities: Cash sitting idle, high-interest debt eating into growth, and the one change that would help most.; Everything above

Setup

Three steps to your first answer

Connect every account you want counted in Finta.
Install the Finta MCP server in your AI client.
Paste the prompt and send. Add your home value if you want it counted.

Why the answers are real

Give your AI assistant the data it has been guessing about

Finta MCP lets your assistant read the accounts, transactions and balances Finta has synced, and recategorize transactions. It cannot move money or change your bank connections.

The prompt reads

Accounts
Balance History
Storage Mode on

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Net worth snapshot prompt questions

How far back does the balance history go?: Finta stores account balance history from the date each account was connected. The more accounts you've had connected and the longer they've been linked, the richer your timeline will be. The AI will show what's available and flag gaps.
Does this include home equity or other real estate?: Only if you have a mortgage account connected that shows the outstanding balance. Home equity (value minus mortgage) requires knowing your home's current market value, which Finta doesn't pull automatically. You can tell the AI your estimated home value and it will factor that into net worth.
What's the difference between liquid and invested assets?: Liquid assets are immediately accessible without penalties — checking, savings, and money market accounts. Invested assets include retirement accounts (which have early withdrawal penalties) and brokerage accounts. The composition breakdown shows how accessible your wealth actually is.
How is the 12-month projection calculated?: The AI extrapolates your current net worth trend forward — it uses the rate of change over the past 6-12 months as the basis. It's a trend projection, not a financial forecast. Market volatility, income changes, or large one-time events aren't factored in.

Finta MCP prompt

Connect your accounts, then ask anything.