Net Worth Tracker is a full-featured personal finance application built for Italian investors. It provides comprehensive portfolio tracking, performance analytics, cashflow management, dividend monitoring, and long-term financial planning tools — all in a single dashboard.
The app integrates with Yahoo Finance for real-time price updates and includes advanced features like Monte Carlo simulations, FIRE (Financial Independence, Retire Early) projections, and AI-powered performance analysis via Claude. The UI is in Italian while the codebase follows English conventions.
- Multi-asset tracking across stocks, ETFs, bonds, crypto, real estate, commodities, and cash
- Automatic price updates via Yahoo Finance (all assets) and Borsa Italiana (Italian bonds with ISIN)
- Bond coupon scheduling: automatic coupon generation with step-up rate tiers and final premium (Premio Finale) support — full BTP Valore compatible
- Average cost tracking with 4-decimal precision, including a built-in multi-broker PMC calculator for positions spread across multiple brokers
- Current vs target asset allocation visualization
- Comprehensive metrics: ROI, CAGR, TWR, IRR, Sharpe Ratio, Maximum Drawdown
- Yield on Cost (YOC) and Current Yield calculations
- Monthly returns heatmap and underwater drawdown chart
- Rolling performance charts
- Animated metric cards: values count up on load and on period switch; staggered entrance cascade per section
- All major pages (Dashboard, Hall of Fame, History, Performance, Dividends) animate on load with staggered card entrances and smooth expand/collapse transitions; respects system "Reduce Motion" preference
- All charts animate on load: bars grow up from baseline, lines draw in left to right, area fills expand, pie slices fan out — covers every page with data visualization (History, Performance, Cashflow, Dividends, FIRE, Monte Carlo, Goals)
- AI-powered analysis using Claude with Extended Thinking and web search
- Fully responsive on mobile and tablet: dropdown period selector, stacked header, color-only heatmap view on small screens
- Income and expense tracking with custom categories and subcategories
- Budget tab: automatic budget tracking for all expense categories — items auto-generated from your categories with no manual setup; annual view with progress bars comparing current year vs budget, previous year, and historical average; click any row (category, section subtotal, or Total Expenses/Income) to open a historical year×month panel with min/max month highlights; Total Expenses also shows a per-type breakdown (Fixed / Variable / Debt) as separate month-by-month tables; collapsible sections with reordering; fully responsive on mobile with tappable cards and a per-item detail dialog
- Bulk move transactions between categories/subcategories (cross-type supported)
- 5-layer Sankey diagram visualization
- 4-level drill-down for detailed expense analysis
- Period analysis with year and month filters — filtered sections include expense type breakdown (Fixed / Variable / Debt) pie chart that updates with the active filter
- CSV export
- Multi-currency dividend recording with automatic EUR conversion
- Borsa Italiana scraping for Italian market data (dividends and bond prices)
- Monthly calendar view with drill-down
- Dividend statistics and yield calculations
- Total Return per Asset: table combining unrealized capital gain % and all-time net dividends received % (calculated at historical cost basis per payment, not diluted by later purchases) to show the true investment return per asset; card layout on mobile
- Dividend Per Share Growth: year-by-year gross DPS history per equity asset with YoY% and CAGR columns; portfolio median growth rate shown as a summary; tap any asset on mobile to open a vertical year-by-year dialog
- Automatic monthly portfolio snapshots (via Vercel cron)
- Net worth evolution, asset class breakdown, and liquidity charts
- Year-over-Year variation analysis
- Savings vs Investment Growth comparison (annual and monthly views)
- Doubling time analysis with geometric calculations and fixed thresholds
- FIRE calculator with primary residence exclusion
- Multi-scenario projections (Bear / Base / Bull) with inflation adjustment
- Per-scenario FIRE numbers with automatic savings stop at FIRE reached
- Goal-Based Investing: allocate portfolio portions to financial goals (house, retirement, emergency fund, etc.) with progress tracking, recommended allocation comparison, and open-ended goal support
- Goal-Driven Allocation: optionally derive portfolio allocation targets as a weighted average of goal recommended allocations, with automatic fallback to manual targets
- Fully responsive on mobile and tablet — tab navigation uses a dropdown on small screens, year-by-year projection table switches to a card layout
- 4 asset classes: Equity, Bonds, Real Estate, Commodities
- Editable parameters per asset class (returns, volatility)
- Bear/Base/Bull scenario comparison with overlay charts and distribution analysis
- Auto-fill allocation from real portfolio (crypto and cash excluded, normalized to 100%)
- Fully responsive on mobile and tablet — percentile table switches to a card layout, scenario parameter cards stack vertically
- Dark mode — Full dark/light/system theme support. The header toggle cycles through three states: Light, Dark, and System (follows OS preference), using Sun, Moon, and Monitor icons. Every page, chart tooltip, and UI component is properly themed
- Hall of Fame — Monthly and annual performance rankings with multi-section note system; fully responsive on mobile and tablet with touch-friendly card layouts
- PDF Export — 8 configurable sections with custom year/month period selection; sections auto-disabled for past periods when historical data is unavailable
# Clone the repository
git clone https://github.com/GiuseppeDM98/net-worth-tracker.git
cd net-worth-tracker
# Install dependencies
npm install
# Copy and configure environment variables
cp .env.local.example .env.local
# Edit .env.local with your Firebase credentials (see Prerequisites below)
# Start development server
npm run dev
# → http://localhost:3000For the full setup guide including Firebase configuration and Firestore security rules, see SETUP.md.
- Node.js 18.x or higher
- Firebase project with Firestore + Authentication enabled (free tier is sufficient)
- Vercel account (recommended for deployment and cron jobs)
- Anthropic API key (optional — enables AI performance analysis)
Copy .env.local.example to .env.local and fill in your values:
| Variable | Required | Description |
|---|---|---|
NEXT_PUBLIC_FIREBASE_* (6 vars) |
Yes | Firebase client SDK configuration |
FIREBASE_ADMIN_* or FIREBASE_SERVICE_ACCOUNT_KEY |
Yes | Firebase Admin SDK (server-side) |
CRON_SECRET |
Yes | Secret for authenticating cron job requests |
NEXT_PUBLIC_APP_URL |
Yes | Your deployed application URL |
NEXT_PUBLIC_REGISTRATIONS_ENABLED |
No | Toggle new user registration (default: true) |
NEXT_PUBLIC_REGISTRATION_WHITELIST_ENABLED |
No | Enable email whitelist for registration |
NEXT_PUBLIC_ENABLE_TEST_SNAPSHOTS |
No | Enable test snapshot generation in Settings |
ANTHROPIC_API_KEY |
No | Enables AI-powered performance analysis |
See .env.local.example for detailed comments on each variable.
┌─────────────────────────────────────┐
│ Next.js App Router │
│ (SSR pages + API routes + cron) │
├──────────┬──────────┬───────────────┤
│ React │ React │ API Routes │
│ Pages │ Query │ (server-side)│
├──────────┴──────────┴───────────────┤
│ Service Layer │
│ (Firestore, Yahoo Finance, AI, │
│ scraping, metrics, PDF) │
├─────────────────────────────────────┤
│ Firebase Auth │ Firestore DB │
└─────────────────┴───────────────────┘
External APIs:
Yahoo Finance · Frankfurter · Borsa Italiana · Anthropic
Key design patterns:
- App Router with protected dashboard routes
- Service layer (
lib/services/) for all business logic - React Query for client-side data caching and mutations
- Feature-based component organization (by domain, not by layer)
- Timezone-aware date handling (Europe/Rome)
| Category | Technology | Purpose |
|---|---|---|
| Framework | Next.js 16, React 19 | SSR, routing, API routes |
| Language | TypeScript 5 | Type safety |
| Styling | Tailwind CSS v4, shadcn/ui | UI components and design system |
| Data | React Query (TanStack) | Client-side caching and server state |
| Backend | Firebase (Firestore + Auth) | Database and authentication |
| Animation | framer-motion | Page transitions and micro-interactions |
| Charts | Recharts, @nivo/sankey | Data visualization |
| Finance | yahoo-finance2 | Real-time price data |
| AI | @anthropic-ai/sdk | Performance analysis |
| @react-pdf/renderer | Export reports | |
| Forms | react-hook-form, zod | Form handling and validation |
| Dates | date-fns, date-fns-tz | Timezone-aware date operations |
| Scraping | cheerio | Borsa Italiana dividend and bond price data |
| Testing | Vitest | Unit testing (218 tests) |
npm run dev # Start dev server with hot-reload
npm run build # Production build
npm run start # Start production server
npm run lint # Run ESLint
npm test # Run unit tests (single run)
npm run test:watch # Run tests in watch mode- UI language: Italian
- Code language: English (comments explain WHY, not WHAT — see COMMENTS.md)
- Responsive breakpoint:
desktop:(1440px) instead of Tailwind's defaultlg: - Radix Select: No empty string values — use sentinel values like
__all__ - Settings changes: Always update type definition + getter + setter together
The recommended deployment target is Vercel:
- Import the repository on vercel.com
- Add all environment variables from
.env.local - Deploy — cron jobs for snapshots and dividends are configured in
vercel.json
Two cron jobs run daily at 18:00 UTC:
/api/cron/monthly-snapshot— Automatic monthly portfolio snapshots/api/cron/daily-dividend-processing— Dividend data processing
For detailed deployment instructions, see VERCEL_SETUP.md.
net-worth-tracker/
├── app/ # Next.js App Router
│ ├── api/ # API routes (17 endpoints)
│ ├── dashboard/ # Protected pages (8 sections)
│ ├── login/ # Auth pages
│ └── register/
├── components/ # React components (~116)
│ ├── ui/ # shadcn/ui base components
│ ├── layout/ # Sidebar, header, navigation
│ ├── assets/ # Portfolio management
│ ├── performance/ # Metrics and charts
│ ├── cashflow/ # Income/expense tracking
│ ├── dividends/ # Dividend calendar and tables
│ ├── fire-simulations/ # FIRE calculator
│ ├── goals/ # Goal-based investing
│ ├── monte-carlo/ # Monte Carlo UI
│ ├── history/ # Historical analysis
│ ├── hall-of-fame/ # Rankings
│ └── pdf/ # PDF export (sections + primitives)
├── lib/
│ ├── services/ # Business logic (22 services)
│ ├── utils/ # Helpers (formatters, dates, auth)
│ ├── hooks/ # Custom React hooks
│ ├── constants/ # App config, colors, defaults
│ ├── firebase/ # Firebase client + admin setup
│ └── query/ # React Query key factory
├── types/ # TypeScript definitions (9 files)
├── contexts/ # React contexts (AuthContext)
└── public/ # Static assets
Contributions are welcome! When contributing:
- Fork the repository and create a feature branch
- Follow the existing code conventions (Italian UI, English code)
- Read COMMENTS.md for the project's commenting philosophy
- Ensure
npm run buildpasses before submitting a PR
- Use the bug report template for bugs
- Use the feature request template for new ideas
- Currency conversion depends on the Frankfurter API (falls back to cached rates)
This project is licensed under the GNU Affero General Public License v3.0 (AGPL-3.0).
This means you are free to use, modify, and distribute this software, but any modified version that is accessible over a network must also make its source code available under the same license.
See LICENSE.md for the full license text.
Screenshots recorded on the live app with anonymized data.
Portfolio overview with asset breakdown and allocation
Current vs target asset allocation
5-layer Sankey diagram of income and expenses
4-level drill-down into expense categories
ROI, CAGR, Sharpe Ratio, drawdown and more
Monthly returns heatmap
Net worth evolution over time
FIRE projections with Bear/Base/Bull scenarios
Monte Carlo simulation with scenario comparison
Monthly dividend calendar with drill-down
Monthly and annual performance rankings