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Tracking Real Net Worth with MyPersonalWealthTracker
Most personal finance applications focus on a single asset class or investment platform. Brokerage applications track stocks, mutual fund platforms monitor fund performance, and banking applications display cash balances. Very few applications present a complete view of personal wealth by combining assets and liabilities into a single net worth calculation.
MyPersonalWealthTracker was built to address that problem. It is a full stack Next.js application designed specifically for the Indonesian financial ecosystem, supporting local investment products, taxation rules, pension schemes, and bilingual operation in both Indonesian and English.
Features
Net worth dashboard
The application calculates total assets, total liabilities, and net worth in real time. Historical trends and portfolio growth are presented through interactive charts, allowing users to monitor long-term financial progress rather than individual account balances.
Asset management
The platform supports multiple asset classes, each modeled according to its financial characteristics.
- Stocks with complete buy and sell history, dividend tracking, and investment thesis status including Intact, Watch, Broken, and Sold.
- Mutual funds tracked by ownership units and current Net Asset Value.
- Gold investments measured in grams using live Antam pricing.
- Property assets with current market value tracking.
- Cash accounts covering bank balances and liquid savings.
Each asset type maintains valuation logic appropriate for its underlying financial model.
Pension planning
The application supports Indonesian retirement programs including BPJS Ketenagakerjaan, JHT, JP, and DPLK.
Each account records both contributed principal and projected investment value separately, allowing portfolio performance to reflect actual investment growth instead of contribution totals alone.
Monthly salary can be imported automatically from the latest salary cash flow transaction while remaining fully editable. Retirement projections combine user-defined retirement age, expected salary growth, investment return assumptions, and future monthly contributions to estimate retirement value for each pension account as well as the combined retirement portfolio.
Liability management
Loans and mortgages include complete amortization schedules with support for multiple interest rate phases. This allows products such as promotional fixed-rate mortgages followed by floating interest periods to be modeled accurately.
Cash flow analysis
Income and expense transactions are consolidated into a financial dashboard that calculates savings rate, spending trends, and cash flow history.
The platform also includes several AI-assisted capabilities.
- Weekly portfolio summary generation.
- Intraday trading signal analysis.
- A portfolio advisor powered by Anthropic Claude that analyzes the user’s holdings and provides contextual investment insights.
Technology stack
The application is built using Next.js 16 with the App Router, PostgreSQL managed through Prisma, Supabase Authentication, and Tailwind CSS for the user interface.
Artificial intelligence features integrate both the Anthropic Claude API and Google Gemini for portfolio analysis, reporting, and conversational assistance.
The application is deployed on Vercel.
Future work
Additional technical articles will cover the implementation details behind individual modules, including the pension projection model, loan amortization calculations, and portfolio analytics.
The source code is available on GitHub.