Networthy HQ

A private, self-hosted net-worth tracker for Indian investors. Upload your NSDL CAS and CAMS/KFintech statements, add everything else by hand — property, gold, foreign equity, crypto, bank balances, loans — and see your complete net worth in one place, priced live where it can be.

Privacy is the whole point. Statements are parsed on your own server and the parsed database lives under data/ (gitignored). Nothing about your holdings ever leaves the machine — the only things that egress are public price lookups by symbol (a ticker, a currency pair, a coin), never a value, quantity, PAN, or identity.

Try it without signing up: the landing page has an Explore the live demo button (GET /demo) that drops you into a fully-loaded demo account — no email required.

Run it on your own machine

One command. No account, no sign-in, no server — your statements are parsed on your laptop and the database never leaves it.

uvx networthy

That's it: it starts on http://127.0.0.1:8321, opens your browser, and signs you in automatically (there's nobody else to authenticate against on your own machine).

curl -LsSf https://astral.sh/uv/install.sh | sh   # macOS / Linux
# Windows: powershell -c "irm https://astral.sh/uv/install.ps1 | iex"

What it does

• Parses password-protected CAS PDFs — NSDL e-CAS (demat holdings across NSDL + CDSL, plus mutual-fund folios) and CAMS/KFintech CAS (all-AMC mutual funds). Decrypt → extract → classify by asset class, all locally.
• A complete Assets & Liabilities tree — every asset class as a navigable leaf: mutual funds, direct & foreign equity, crypto, fixed income (PPF/EPF/FDs/bonds/NPS), gold & silver, physical gold, real estate, alternate investments, private business, bank & cash, forex — netted against every kind of loan.
• Live valuation — equities from Yahoo Finance (by ticker), mutual-fund NAVs from AMFI's public bulk feed (looked up locally), USD/FX and crypto and gold priced live, all cached and fail-soft so a slow endpoint never breaks a page.
• Expenses planner — recurring spend normalised to a monthly/annual burn, with the net-worth connection: runway and a FIRE target (25×, the 4% rule).
• Goals — target-by-date planning that computes the monthly SIP needed to get there, plus a read-only Retirement (FIRE) goal mirrored from your expenses.
• "Where do you stand?" — rank your net worth among adults in India, the US, and the world (computed client-side; nothing you type is sent anywhere).
• Multi-user — sign in with email + a one-time code. Each account's data is isolated.
• Email digests — an optional daily net-worth pulse and a weekly breakdown.

Screens

Net worth — the full Assets/Liabilities tree, values rolled up and priced live.	NSDL CAS — net worth over time from each uploaded statement.
A data-backed leaf — holdings from your CAMS import, live NAVs and values.	Goals — target, date, and the monthly SIP to reach it.
Expenses — monthly/annual burn, category breakdown, runway & FIRE.

How it works

upload CAS PDF(s)  →  parse (decrypt + extract + classify)  →  SQLite (under data/)
                                                                     │
   manual entries (property, gold, loans, …) ──────────────────────┤
                                                                     ▼
                    live pricing (Yahoo / AMFI, by symbol only)  →  Dashboard · Net worth · Goals

1. Download your CAS — NSDL e-CAS from nsdl.co.in, or a CAMS CAS from camsonline.com. It arrives as a password-protected PDF (password is usually your PAN in CAPITALS).
2. Upload it (the app remembers your PAN as the password so you don't retype it).
3. Add anything a statement doesn't cover — property, physical gold, bank balances, foreign equity, crypto, loans — by hand.
4. The Dashboard, Net-worth tree, and Goals reflect it all, valued live where possible.

Tech stack

Server-rendered FastAPI + Jinja2, SQLite (stdlib sqlite3), no frontend framework and a single hand-written CSS design system ("Ink Navy & Copper", light + dark). PDF parsing via pikepdf (decrypt) + pdfplumber (text). Python 3.11+.

Run it on your own machine

One command. No account, no sign-in, no server — your statements are parsed on your laptop and the database never leaves it.

uvx networthy

That's it: it starts on http://127.0.0.1:8321, opens your browser, and signs you in automatically (there's nobody else to authenticate against on your own machine).

curl -LsSf https://astral.sh/uv/install.sh | sh   # macOS / Linux
# Windows: powershell -c "irm https://astral.sh/uv/install.ps1 | iex"

Options

networthy --port 9000              # pick a port (default 8321, or any free one)
networthy --data-dir ~/my-finances # where the database lives
networthy --no-browser             # don't open a tab

Your data is stored at:

It's a single SQLite file — back it up by copying it, move machines by moving it.

With Docker instead

docker run -p 8321:8321 -v networthy:/app/data \
  -e NETWORTHY_LOCAL=1 -e APP_PORT=8321 awmanoj/networthy

Developing on it

python3 -m venv .venv
source .venv/bin/activate
pip install -r requirements.txt

NETWORTHY_LOCAL=1 uvicorn app.main:app --reload    # http://127.0.0.1:8000

Without NETWORTHY_LOCAL=1 you get the hosted behaviour — sign in with your email, and the one-time code is printed to the server log (no email provider needed).

Testing

Tests target the fragile logic — parsers, classification, pricing, the net-worth math, and the web routes — without needing a real password-protected PDF.

python -m pytest                                   # all
python -m pytest tests/test_parser.py              # one file
python -m pytest tests/test_goals.py::test_plan_active_required_monthly   # one test

Use python -m pytest (not bare pytest) so the repo root is on sys.path.

Deployment

Containerised, designed to sit behind a reverse proxy (e.g. Caddy for auto-TLS). The container port is set by APP_PORT (default 8000); the SQLite DB persists in a Docker volume mounted at /app/data.

docker build -t networthy .
DOCKERHUB_USER=<name> ./deploy.sh [tag]   # build + push to Docker Hub
DOCKERHUB_USER=<name> ./run.sh   [tag]    # run on the server (published on :8321)

Email digests (optional) recompute every user's net worth live, record a daily history point, and email a change summary (no-ops to a log without RESEND_API_KEY):

30 12 * * 1-6 docker exec networthy python -m app.digest daily    # 6 PM IST, Mon–Sat
30 12 * * 0   docker exec networthy python -m app.digest weekly   # Sunday

Backups — backup.sh takes a consistent SQLite online backup, gzips it, and prunes old copies. Cron it every few hours and copy the archives off-box.

Privacy invariant

This is load-bearing, not a footnote:

• Statement contents and parsed financial data are never written anywhere outside data/, and data/, *.pdf, *.db are gitignored.
• The one sanctioned egress is app/prices.py, kept deliberately narrow: it sends only a public symbol to a price API — an equity ticker to Yahoo, a currency pair, a coin, a gold symbol — and looks mutual-fund NAVs up locally from AMFI's bulk file. Never units, values, holdings, PAN, or identity. Every lookup fails soft, so the view always falls back to the statement value.

Project structure

app/
  main.py            FastAPI routes (dashboard, net-worth tree, goals, expenses, CAS)
  models.py          Dataclasses shared across parser / storage / web
  storage.py         SQLite persistence, per-user isolation
  classify.py        Asset-class rule engine (section > ISIN > keywords)
  prices.py          The ONLY module that egresses (live prices, by symbol)
  networth.py        The declarative Assets/Liabilities tree + roll-up
  expenses.py        Recurring-spend model (burn, FIRE)
  goals.py           Target-by-date planning (required monthly SIP)
  wealth.py          Net-worth percentile ranking
  digest.py          Daily/weekly email digests
  parser/
    nsdl_cas.py      NSDL CAS parsing (the fragile core)
    cams_cas.py      CAMS/KFintech CAS parsing
    _common.py       Shared decrypt / text / float helpers
  templates/         Jinja2 templates
  static/            CSS + a tiny bit of JS (theme toggle, chart)
data/                SQLite DB + uploads (gitignored)
tests/               Parser, classify, pricing, net-worth, and route tests

For a deeper architectural tour — the parsing pipeline, the classification traps, the net-worth roll-up, and the design-system conventions — see CLAUDE.md.