Open Net Worth gives every person what the wealthy take for granted: a tireless wealth manager named Lucius, an intelligence desk watching every asset you own, and a private office that runs on infrastructure you control — not a bank's.
You don't need to be Batman to have Lucius.
Most AI hands you generic advice. Lucius answers from your actual holdings, balances and goals — chat with him about your money and every reply is grounded in your real numbers.
The richest families don't watch spreadsheets. They have someone who does it for them, who knows every holding, anticipates every move, and is never off the clock. Lucius is that person — an intelligent wealth manager that reads your real books, watches the markets, and tells you what actually matters.
Your office runs on your own machine, but Lucius isn't trapped there. Message him in your self-hosted portal, ping him on Telegram or WhatsApp, or — because Open Net Worth is itself an MCP server — simply ask Claude or ChatGPT. Same books, same answers, on every channel.
PRICES · FX · RATES · RISK
DRIFT · ANOMALIES · OPPORTUNITIES
— MONITORED CONTINUOUSLY
Hedge funds pay for a floor of analysts who never stop watching the book. Open Net Worth gives you the same: continuous monitoring and tracking across every holding — valued live, stress-watched, and surfaced the moment something needs you. And it doesn't just guard what you own; it hunts for what you're leaving on the table — idle cash, better rates, tax-loss harvests, and rebalancing windows.
Prices, FX, and rates on every holding — re-valued the moment markets move, not once a day.
Allocation drift, concentration, and exposure — tracked against your targets and flagged early.
Idle cash, better yields, tax-loss harvests, and rebalancing windows — the moves that grow your wealth, surfaced before they pass.
Behind every great manager is a staff that never sleeps. Define agents and rules once, connect your accounts through an open protocol, and your office keeps the books while you live your life.
Autonomous agents log your spending, watch balances, catch drift, and forecast cashflow — then report to Lucius. Write your own in a few lines, each a specialist on your books.
Simple when / then rules and schedules — the standing orders you'd give a private banker, executed without a phone call or a fee.
Pull in brokers, banks, wallets and feeds — and expose your wealth data to Claude or any client. The whole office speaks the Model Context Protocol, both ways.
Open Net Worth speaks the Model Context Protocol both ways. Pull live data in from 40+ sources out of the box, and expose your wealth back out as tools any MCP client — Claude included — can reason over. No source it can't reach, no client it can't sit beside.
// give Lucius a seat at any MCP table { "mcpServers": { "open-net-worth": { "command": "onw", "args": ["mcp", "--read-only"], "env": { "ONW_TOKEN": "••••••" } } } } // → ask Claude: "Lucius, am I on track to retire at 40?"
Read accounts, prices and transactions in — and serve your net worth back out as tools Claude or any client can call.
Every connector starts scoped to read. Grant write access deliberately, per source, with tokens you hold and revoke.
Point Lucius at a cloud model or a local LLM. Your books never leave the box unless you decide they should.
A small, typed SDK and a few lines of code — wire in any account, feed or API your office should see.
Every account, holding, and property in one ledger — valued live, kept current automatically by your connectors.
No manual entry. Agents read your bank and card feeds — and parse receipts and order confirmations straight from your inbox — then file every transaction to the right envelope automatically.
Give every dollar a job. Zero-based envelope budgeting with funding targets and age-of-money — and an agent that nudges when a category runs hot.
Run 2,000 simulated market paths over 40 years. Stress-test a 2008-style crash or a major purchase and see the full spread — not one optimistic line.
Track your FIRE number, years-to-FI, and the odds your money lasts — an honest read on whether you're on course, and what to change.
Every line is on GitHub under the MIT license. Self-host it on your computer or a cloud box, fork it, audit the agents, or write a connector. The wealthy keep their affairs private by owning the office — now so can you.
There is no Open Net Worth cloud. The office and its agents run on your machine; the ledger is a folder on your disk. We have nowhere to keep your data.
No analytics, no phone-home, no ad pixels. Block all outbound traffic and it still runs — the only calls out are the connectors and model you choose.
Bring your own model and connector tokens, encrypted at rest. Run Lucius against a local LLM for zero cloud calls. Export everything, anytime.
We're putting the finishing touches on the office. Drop your email and you'll be the first to know when the doors open — one message, no noise.
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