Net Worth Tracker

A professional, full-featured web application for tracking personal net worth with a beautiful visualization dashboard. Features Indian Rupee (INR) currency support, dark mode, and comprehensive financial visualization.

About This Project

• Vibe Coded with Claude - This entire project was vibe coded with the help of Claude AI (Anthropic)
• 100% Local & Private - The web app runs entirely in containers on your local machine, ensuring your sensitive financial data never leaves your system
• Personal Use Only - This is a pet project, not a production-grade implementation. Use it for personal tracking only
• Manual Data Entry - No external connectors or bank sync. All data is manually entered and stays local. The only external data fetched is live stock prices from public market APIs (Yahoo Finance)

Features

Core Features

• User Authentication - Secure JWT-based authentication with registration and login
• Dark Mode - Toggle between light and dark themes
• Privacy Mode - Mask all financial numbers with one click (default ON for security)
• Data Export/Backup - Download all your financial data as JSON for backup purposes
• Last Updated Timestamp - Shows when data was last refreshed in the sidebar
• Responsive Design - Works beautifully on desktop and mobile
• Containerized - Easy deployment with Docker

Asset & Liability Management

• Asset Management - Track all your assets with categories (Cash, Investments, Real Estate, Vehicles, Retirement, Crypto)
• Liability Tracking - Manage debts with interest rate tracking (Mortgage, Car Loan, Student Loan, Credit Card, Personal Loan)

Financial Sections

• Bank Accounts - Track savings, current, salary, and fixed deposit accounts across banks
• Insurances - Manage life, health, term, vehicle, and property insurance policies with premium tracking (monthly/yearly frequency support)
• Mutual Funds - Track mutual fund investments with:
  • Auto NAV Fetching from mfapi.in (free API, no rate limits)
  • Auto-calculated Avg NAV (Invested Amount ÷ Units)
  • Current NAV tracking (fetched from internet)
  • Auto-calculation of current value from units × current NAV
  • "Refresh NAV" button to update all fund values
• Equities - Stock portfolio management with:
  • Live price fetching from NSE, BSE, and NASDAQ via Yahoo Finance
  • Manual LTP (Last Traded Price) entry option
  • USD to INR conversion for NASDAQ stocks

Dashboard & Goals

• Net Worth Dashboard:
  • Net Worth calculation and display
  • Asset allocation pie chart
  • Liability breakdown bar chart
  • Net worth history line chart
  • Key metrics (Debt-to-Asset Ratio)
• Net Worth Goal Tracker:
  • Configurable target amount in Crores
  • Visual progress bar with milestone markers (25%, 50%, 75%, 100%)
  • Achievement tracking
  • Next milestone indicators
• Snapshot History - Save periodic snapshots to track your progress over time

Currency & Localization

• Indian Rupee (INR) - Primary currency with proper Indian number formatting (lakhs, crores)
• USD Support - For NASDAQ-listed stocks
• Live Exchange Rate - USD to INR conversion fetched from free APIs (exchangerate-api.com, frankfurter.app) with 1-hour caching

How Net Worth is Calculated

Your Net Worth is the total value of everything you own minus everything you owe. Here's what gets counted:

What's Added (Your Assets)

• Assets - Cash, real estate, vehicles, retirement accounts, crypto, and other valuables you've added
• Bank Accounts - The total balance across all your savings, current, salary, and fixed deposit accounts
• Mutual Funds - The current value of all your mutual fund investments (units × current NAV)
• Equities (Stocks) - The current market value of your stock portfolio. For US stocks (NASDAQ), the value is automatically converted from USD to INR using live exchange rates

What's Subtracted (Your Debts)

• Liabilities - All your debts including home loans, car loans, personal loans, credit card balances, and any other money you owe

The Formula

Net Worth = (Assets + Bank Accounts + Mutual Funds + Stocks) - Liabilities

What's NOT Included

• Insurance Policies - These are tracked separately for reference but don't count toward net worth since they represent future coverage, not current value

Tech Stack

Backend

• FastAPI - Modern Python web framework
• Pydantic - Data validation
• JWT - Authentication tokens
• passlib + bcrypt - Password hashing (bcrypt 4.0.1 pinned for compatibility)
• httpx - Async HTTP client for external API calls
• External APIs:
  • Yahoo Finance - Live stock prices (NSE, BSE, NASDAQ)
  • mfapi.in - Mutual fund NAV data (free, no API key required)
  • Exchange Rate APIs - Live USD to INR conversion

Frontend

• React 18 - UI framework
• Vite - Build tool
• Tailwind CSS - Styling with dark mode support
• Recharts - Charts and visualizations
• Lucide React - Icons
• Axios - HTTP client
• React Router - Navigation
• Context API - Theme, auth, and privacy state management

Infrastructure

• Docker - Containerization
• Docker Compose - Multi-container orchestration
• Nginx - Production web server

Docker Hub

Pre-built images are available on Docker Hub: shri32msi/networth-tracker

Tag	Description
backend	FastAPI Python API server (port 8000)
frontend	React + Nginx static server (port 3000, proxies /api to backend)

Quick Start with Docker Run

# 1. Create a shared network
docker network create networth-network

# 2. Create a data directory
mkdir -p ./data

# 3. Start the backend
docker run -d \
  --name networth-backend \
  --network networth-network \
  -p 8000:8000 \
  -v ./data:/app/data \
  -e CREATE_DEMO_DATA=true \
  -e DATA_FILE=/app/data/data.json \
  shri32msi/networth-tracker:backend

# 4. Start the frontend
docker run -d \
  --name networth-frontend \
  --network networth-network \
  -p 3000:3000 \
  shri32msi/networth-tracker:frontend

Open http://localhost:3000 and login with demo / password123.

# Stop and cleanup
docker stop networth-frontend networth-backend
docker rm networth-frontend networth-backend
docker network rm networth-network

Quick Start with Docker Compose

# docker-compose.yml
services:
  backend:
    image: shri32msi/networth-tracker:backend
    container_name: networth-backend
    ports:
      - "8000:8000"
    volumes:
      - ./data:/app/data
    environment:
      - CREATE_DEMO_DATA=true
      - DATA_FILE=/app/data/data.json
      # Optional: set for persistent JWT sessions across restarts
      # - SECRET_KEY=your-secret-key-here
    restart: unless-stopped

  frontend:
    image: shri32msi/networth-tracker:frontend
    container_name: networth-frontend
    ports:
      - "3000:3000"
    depends_on:
      - backend
    restart: unless-stopped

networks:
  default:
    name: networth-network

docker compose up -d

Open http://localhost:3000 and login with demo / password123.

Quick Start (Build from Source)

Using Docker (Recommended)

1. Clone and navigate to the project:

   cd networth-tracker

2. Start the application:

   docker-compose up --build

3. Access the application:

   • Frontend: http://localhost:3000
   • Backend API: http://localhost:8000
   • API Docs: http://localhost:8000/docs

4. Demo credentials (when CREATE_DEMO_DATA=true):

   • Username: demo
   • Password: password123

   The demo account comes pre-loaded with sample data across all sections.

Local Development

Backend

1. Create virtual environment:

   cd backend
   python -m venv venv
   venv\Scripts\activate  # Windows
   # source venv/bin/activate  # Linux/Mac

2. Install dependencies:

   pip install -r requirements.txt

3. Run the server:

   uvicorn main:app --reload --port 8000

Frontend

1. Install dependencies:

   cd frontend
   npm install

2. Run development server:

   npm run dev

3. Access at: http://localhost:3000

Project Structure

networth-tracker/
├── backend/
│   ├── main.py           # FastAPI application & routes
│   ├── models.py         # Pydantic models for all entities
│   ├── auth.py           # Authentication utilities
│   ├── database.py       # JSON file database operations
│   ├── stock_service.py  # Yahoo Finance stock price fetching
│   ├── nav_service.py    # Mutual fund NAV fetching from mfapi.in
│   ├── exchange_service.py # Live USD/INR exchange rate
│   ├── config.py         # Configuration settings
│   ├── requirements.txt  # Python dependencies
│   └── Dockerfile        # Backend container config
├── frontend/
│   ├── src/
│   │   ├── components/   # Reusable components (Layout, ProtectedRoute)
│   │   ├── pages/        # Page components
│   │   │   ├── Dashboard.jsx    # Main dashboard with goal card
│   │   │   ├── Assets.jsx       # Asset management
│   │   │   ├── Liabilities.jsx  # Liability management
│   │   │   ├── BankAccounts.jsx # Bank account tracking
│   │   │   ├── Insurances.jsx   # Insurance policy management
│   │   │   ├── MutualFunds.jsx  # Mutual fund tracking
│   │   │   ├── Equities.jsx     # Stock portfolio with live prices
│   │   │   ├── Login.jsx        # Login page
│   │   │   └── Register.jsx     # Registration page
│   │   ├── App.jsx       # Main app component with routing
│   │   ├── api.js        # API client for all endpoints
│   │   ├── AuthContext.jsx   # Auth state management
│   │   ├── ThemeContext.jsx  # Dark mode state management
│   │   ├── PrivacyContext.jsx # Privacy mode state management
│   │   └── index.css     # Tailwind styles
│   ├── package.json      # Node dependencies
│   ├── vite.config.js    # Vite configuration
│   ├── tailwind.config.js # Tailwind configuration with dark mode
│   ├── nginx.conf        # Production nginx config
│   └── Dockerfile        # Frontend container config
├── data/
│   └── data.json         # JSON file storage (users, assets, liabilities, etc.)
├── docker-compose.yml    # Container orchestration
└── README.md

API Endpoints

Authentication

Method	Endpoint	Description
POST	/api/auth/register	Register new user
POST	/api/auth/login	Login and get token
GET	/api/auth/me	Get current user info

Assets

Method	Endpoint	Description
GET	/api/assets	List all assets
POST	/api/assets	Create new asset
GET	/api/assets/{id}	Get asset by ID
PUT	/api/assets/{id}	Update asset
DELETE	/api/assets/{id}	Delete asset

Liabilities

Method	Endpoint	Description
GET	/api/liabilities	List all liabilities
POST	/api/liabilities	Create new liability
GET	/api/liabilities/{id}	Get liability by ID
PUT	/api/liabilities/{id}	Update liability
DELETE	/api/liabilities/{id}	Delete liability

Bank Accounts

Method	Endpoint	Description
GET	/api/bank-accounts	List all bank accounts
POST	/api/bank-accounts	Create new bank account
GET	/api/bank-accounts/{id}	Get bank account by ID
PUT	/api/bank-accounts/{id}	Update bank account
DELETE	/api/bank-accounts/{id}	Delete bank account

Insurances

Method	Endpoint	Description
GET	/api/insurances	List all insurance policies
POST	/api/insurances	Create new insurance policy
GET	/api/insurances/{id}	Get insurance by ID
PUT	/api/insurances/{id}	Update insurance policy
DELETE	/api/insurances/{id}	Delete insurance policy

Mutual Funds

Method	Endpoint	Description
GET	/api/mutual-funds	List all mutual fund holdings
POST	/api/mutual-funds	Create new mutual fund entry
GET	/api/mutual-funds/{id}	Get mutual fund by ID
PUT	/api/mutual-funds/{id}	Update mutual fund entry
DELETE	/api/mutual-funds/{id}	Delete mutual fund entry
POST	/api/mutual-funds/{id}/refresh-nav	Refresh NAV for specific fund
GET	/api/nav/search?q={query}	Search mutual funds by name
GET	/api/nav/test	Test NAV service connectivity

Equities (Stocks)

Method	Endpoint	Description
GET	/api/equities	List all stock holdings
POST	/api/equities	Add new stock holding
GET	/api/equities/{id}	Get stock by ID
PUT	/api/equities/{id}	Update stock holding
DELETE	/api/equities/{id}	Delete stock holding
POST	/api/equities/refresh-prices	Refresh all stock prices from Yahoo Finance

Dashboard & Goals

Method	Endpoint	Description
GET	/api/dashboard	Get dashboard metrics
POST	/api/snapshot	Create net worth snapshot
GET	/api/goal	Get user's net worth goal
POST	/api/goal	Create net worth goal
PUT	/api/goal	Update net worth goal
DELETE	/api/goal	Delete net worth goal
GET	/api/exchange-rate	Get current USD to INR rate
GET	/api/export	Export all user data as JSON backup

Data Storage

The application uses a simple JSON file for data storage (data/data.json), making it perfect for personal use without the overhead of a database server. The file persists data even when containers are restarted through Docker volume mounting.

Data Collections

• users - User accounts with hashed passwords
• assets - Physical and financial assets
• liabilities - Debts and loans
• snapshots - Historical net worth snapshots
• bank_accounts - Bank account details
• insurances - Insurance policies
• mutual_funds - Mutual fund holdings
• equities - Stock portfolio with market info
• goals - Net worth target goals (per user)

Security

• Passwords hashed using bcrypt
• JWT tokens for stateless authentication (secret auto-generated or via env var)
• CORS restricted to specific origins, methods (GET, POST, PUT, DELETE, OPTIONS), and headers (Authorization, Content-Type)
• Token expiration after 24 hours
• Non-root container users
• Nginx security headers (X-Frame-Options, X-Content-Type-Options, X-XSS-Protection, Referrer-Policy, Permissions-Policy)
• Import payload size limit (10MB)
• Demo data opt-in via CREATE_DEMO_DATA environment variable

Stock Market Integration

The Equities module supports live stock price fetching via Yahoo Finance:

Market	Symbol Format	Currency	Example
NSE (India)	SYMBOL.NS	INR	RELIANCE.NS
BSE (India)	SYMBOL.BO	INR	RELIANCE.BO
NASDAQ (US)	SYMBOL	USD	AAPL

Click "Refresh Prices" on the Equities page to fetch the latest stock prices.

Environment Variables

Backend

Variable	Default	Description
SECRET_KEY	(auto-generated)	JWT signing key. Set for persistent sessions across restarts
CREATE_DEMO_DATA	false	Set to true to create demo user with sample data on startup
DATA_FILE	../data/data.json	Path to the JSON database file

Frontend

Variable	Default	Description
VITE_API_URL	``	API base URL (empty for proxy)

Production Deployment

1. Generate and set a secret key:

   python -c "import secrets; print(secrets.token_hex(32))"

   Add it to docker-compose.yml:

   environment:
     - SECRET_KEY=your-generated-key-here

2. Disable demo data (remove or set CREATE_DEMO_DATA=false)

3. Build and run:

   docker-compose up --build -d

4. Configure reverse proxy (nginx/traefik) for HTTPS

License

MIT License - feel free to use this project for personal or commercial purposes.

Contributing

Contributions are welcome! Please feel free to submit a Pull Request.