The AI Net-Worth Dashboard Kit
When researchers asked, 67% of Americans said they don't track their net worth — and 51% said they don't know how to calculate it (Credit Karma / Qualtrics survey, 1,006 US adults, 2023). It's one subtraction: everything you own, minus everything you owe.
The skeleton (copy this)
One spreadsheet. Four columns: Account, Type, Value, Updated.
ASSETS (on top):
cash · investments · retirement · property (at a number you could defend)
DEBTS (below):
credit cards · loans · mortgage
NET WORTH = sum of the top - sum of the bottom. (one cell)
Making it update itself — three tiers
- Best: your bank and broker already export balances — most will email a statement CSV on a schedule.
- Middle: an aggregator app that syncs accounts and exports one file; the dashboard just reads its export.
- The manual floor: a fifteen-minute block on the first of the month. Eight numbers, typed in. Even the dumb version beats not looking.
Safety rule, always: the sheet stores balances — never passwords, never logins. Nothing in this build can see your accounts or move a dollar.
The monthly AI review prompt
Paste your sheet, then this:
Compare this month to the last three. Report: 1) what changed, 2) what is off-trend, 3) what needs a human decision. Never move or recommend moving money. Flag, don't act.
Where it breaks — honestly
- Property values. An online estimate is a guess wearing confidence. Use a number you'd defend, update it rarely.
- Sync. Aggregators break connections constantly. The manual floor exists because sync always, eventually, doesn't.
- Down months. The number will drop sometimes. A dashboard that only feels good in an up market is a mood ring, not a tool. The win isn't the number — it's that you finally look.
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Watch the full buildThe AI Net-Worth Dashboard episode — on the channel