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Net Worth Tracker Updater with Plaid MCP and Claude

Personal Finance Automation

Intermediate2-3 hoursLow
n8nPlaid MCPClaude (Anthropic API)Google Sheets

Quick Answer

Plaid MCP pulls balances from all financial accounts monthly, n8n calculates total assets, liabilities, and net worth, Google Sheets tracker updates automatically, and Claude delivers a progress commentary with month-over-month changes.

The Problem This Solves

People who want to track net worth monthly give up because pulling balances from multiple accounts takes too long. This workflow makes net worth tracking completely automatic, removing the friction that causes people to stop.

About This Workflow

Tracking net worth over time is one of the most motivating personal finance habits, but manually pulling balances from multiple accounts each month discourages consistency. This workflow connects to all your financial accounts through Plaid MCP, pulls current balances from checking, savings, investment, and loan accounts monthly, updates a Google Sheets net worth tracker automatically, and delivers a Claude commentary on month-over-month changes and progress toward financial goals.

Tools Required

Plaid MCPData SourceView on FinatuneVisit Website
Claude (Anthropic API)AI EngineView on FinatuneVisit Website
Google SheetsOutputVisit Website

Step-by-Step Blueprint

1

Schedule monthly trigger on the 1st

n8n

Create an n8n Schedule trigger on the 1st of each month at 7am. Monthly snapshots build a meaningful net worth history over time.

2

Pull all account balances via Plaid MCP

Plaid MCP

Add an n8n HTTP node to call Plaid MCP and retrieve current balances from all linked accounts: checking, savings, investment accounts, credit cards, loans, and mortgages.

3

Calculate net worth components

n8n

Add an n8n Code node to calculate: total liquid assets, total investment assets, total liabilities, and net worth. Group accounts into assets and liabilities categories.

4

Update Google Sheets net worth tracker

Google Sheets

Add n8n Google Sheets nodes to append this month's net worth snapshot to the tracker. Include total assets, total liabilities, net worth, and individual account balances for detailed tracking.

5

Generate progress commentary with Claude

Claude

Add an n8n Claude node. Send the current and prior month net worth data and instruct Claude to write a brief progress commentary covering: net worth change in dollars and percentage, which accounts drove the change, and encouragement or observations relevant to the trend.

6

Email monthly net worth update

n8n

Add an n8n Email node to send the net worth update including the current figure, month-over-month change, and Claude's progress commentary.

Cost Estimate

$50-100/month

n8n Cloud Pro $50/month or self-hosted free. Plaid production pricing usage-based - contact plaid.com. Claude API costs minimal for monthly runs. Google Sheets free.

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