Metadata-Version: 1.2
Name: networth
Version: 0.7.0
Summary: Summarize net worth
Home-page: https://github.com/kenkundert/networth
Author: Ken Kundert
Author-email: networth@nurdletech.com
License: GPLv3+
Download-URL: https://github.com/kenkundert/networth/tarball/master
Description: Networth: Summarize Your Net Worth
        ==================================
        
        | Version: 0.7.0
        | Released: 2020-03-06
        |
        
        *Networth* works with `Avendesora <https://avendesora.readthedocs.io>`_ to 
        generate a summary of your networth. *Networth* reads *estimated_value* fields 
        from *Avendesora* accounts and summarizes the result.  It is often used with, 
        and shares fields with, `PostMortem <https://github.com/KenKundert/postmortem>`_.
        
        Please report all bugs and suggestions to networth@nurdletech.com
        
        Getting Started
        ---------------
        
        You download and install *Networth* with::
        
            pip3 install --user networth
        
        Once installed, you will need at least two configuration files. The 
        configuration files are Python code.  The first file contains settings that are 
        shared between all profiles.  It is ~/.config/networth/config. The remaining 
        files are specific to profiles.  You would generally have one profile for 
        yourself, but you might also have profiles for organizations or people that you 
        are monitoring.
        
        In general, any setting may be in either the config file or the profile file.  
        However, the following two settings should in the config file:
        
        **default_profile**
        
        A string that contains the name of the profile to use if the one is not 
        explicitly specified on the command line.  The name specified in this setting 
        must also be one of the names specified in *profile_names*.
        
        **profile_names**
        
        A list the contains the names of the known profiles.  For every name given there 
        should be a profile file in the settings directory. Thus, if *me* is one of the 
        profile names, then there should be a file ~/.config/networth/me.prof that 
        contains the settings associated to the *me* profile.
        
        In addition, the following settings are available:
        
        **avendesora_fieldname**
        
        The name of the *Avendesora* account field that contains the networth 
        information.
        
        **value_updated_subfieldname**
        
        The name of the subfield of *estimated_value* that contains the date the 
        value was last updated.  Typically *updated*.
        
        **max_account_value_age**
        
        Number of days. Values that are older than this are called out as being 
        stale.
        
        **date_formats**
        
        A string that contains the allowed date formats separated by white space.  
        Any spaces is a specific format is replaced by an underscore so that it is 
        not confused as more than one format. For example a format of 'MMMM YYYY' 
        would be represented as 'MMMM_YYYY'. The formats allowed are those supported 
        by Arrow.
        
        May also be a list of strings, where each represents a valid date format.  
        
        By default the following formats are accepted: 'MMMM YYYY', 'MMM YYYY', 
        'YYYY-M-D', and 'YYMMDD'. So the following dates would be accepted: 'January 
        2019', 'Jan 2019', '2019-1-1' and '190101'.
        
        **asset_color**
        
        The color to used for positive values. May be black, white, blue, cyan, 
        green, red, magenta, or yellow. The default is green.
        
        **debt_color**
        
        The color to used for negative values. May be black, white, blue, cyan, 
        green, red, magenta, or yellow. The default is red.
        
        **screen_width**
        
        An integer that contains the width of the screen.
        
        **aliases**
        
        A dictionary that is used to map an account name to something that is easier 
        to read.
        
        **coins**
        
        A list of crytpocurrency tokens that should be available for use.
        
        **coin_prices_filename**
        
        Name of the file used as the cryptocurrency price cache.
        
        **securities**
        
        A list of security symbols that should be available for use.
        
        **security_prices_filename**
        
        Name of the file used as the security price cache.
        
        **iexcloud_token**
        
        The security prices are downloaded from the IEXcloud. You must sign up with them 
        to use this service. The free account is more than sufficient for your needs.  
        Once you sign up you can get an API token, which you give as the value for this 
        field.  This field must be given if you specify securities.
        
        **max_price_age**
        
        Maximum age in seconds of the price caches. If the prices are older than 
        this, the cache is flushed and the prices are updated.
        
        
        Example Configuration Files
        ---------------------------
        
        Here is an example *config* file::
        
            default_profile='me'
            profile_names = 'me parents'.split()
        
            # account value settings
            avendesora_fieldname = 'estimated_value'
            value_updated_subfieldname = 'updated'
            max_account_value_age = 120 # days
            date_formats = 'MMMM YYYY'
        
            # bar settings
            screen_width = 110
        
            # API token needed to download securities
            iexcloud_token = 'pk_9eb3acfc7dbe4055a795ff179d46a980'
        
        Here is a example profile file::
        
            # account aliases
            aliases = dict(
                quickenloans = 'mortgage',
                wellsfargo = 'wells fargo',
            )
        
            # available symbols
            coins = 'USD BTC ETH BCH ZEC EOS'.split()
            securities = 'GOOG AMZN'.split()
        
        
        Estimated Values
        ----------------
        
        Next, you need to add *estimated_value* fields to your *Avendesora* accounts, 
        the value of which is a dictionary. It may contain a *updated* subfield that 
        gives the date the value was last updated.  In addition, it may contain 
        subfields for various asset classes or coins or securities.  The values may 
        either be real numbers or strings that contain quantities (values plus units).  
        Here are some examples::
        
            class ChaseBank(Account):
                ...
                estimated_value = dict(updated='December 2018', cash=2181.16+5121.79)
        
            class QuickenLoans(Account):
                ...
                estimated_value = dict(updated='October 2018', real_estate='-$294,058')
        
            class Vanguard(Account):
                ...
                estimated_value = dict(updated='November 2018', retirement='$74,327')
        
            class TDAmeritrade(Account):
                ...
                estimated_value = dict( updated='November 2018', retirement='$74,327+$111,554')
        
            class Fidelity(Account):
                ...
                estimated_value = dict( updated='November 2018', retirement='''
                    $62,976.22 +    # 401k
                    $26,704.85      # IRA
                ''')
        
            class UnitedAirlines(Account):
                ...
                estimated_value = dict(updated='July 2018', miles='7,384_miles')
        
            class CoinBase(Account):
                ...
                estimated_value = dict(updated='August 2018', ETH=2, BTC=4, cash=24.52)
        
            class TD_Ameritrade(Account):
                ...
                estimated_value = dict(updated='January 2019', GOOG=10, AMZN=5, cash=327.53)
        
        The value of securities are given is number of shares. The value given for 
        cryptocurrencies is number of tokens. All other values are assumed to be in 
        dollars if the units are not given. If the units are given and they are not 
        dollars (such as miles for frequent flier programs), then those values are 
        summarized but not included in your total networth.
        
        Specifying the *updated* date is optional. If specified, then *networth* will 
        indicate the values as stale if they exceed *max_account_value_age*.
        
        It is also specify information about a loan, and *networth* will compute its 
        current balance.  This is done by giving the principal on a particular date, the 
        date for the given principal, the monthly payments, the interest rate, and 
        optionally, the share. The rate and the share can be given in percent, meaning 
        that an rate of 4% can either be specified as 4% or as 0.04. Similarly a share 
        half share can be indicated as 50% or 0.5.  For example::
        
            class QuickenLoans(Account):
                ...
                estimated_value = dict(
                    real_estate = '''
                        principal=-$294,058
                        date=09/04/2013
                        payment=$1,500.00
                        rate=4.375%
                        share=50%
                    '''
                )
        
        the key=value pairs can be separated by any white space, but there must be no
        white space surrounding the = sign. For mortgages that you owe, the principal 
        should be negative. You can also use this feature to describe an automatic 
        savings plan into an interest bearing account.  In this case the principal would 
        be your starting balance and the payment would be your monthly investment 
        amount.  In this case the starting balance would be positive.
        
        
        Usage
        -----
        
        When running the command, you may specify a profile. If you do not, you get the 
        default profile.  For example::
        
            > networth me
            By Account:
                    betterment:    $22k equities=$9k, cash=$3k, retirement=$9k
                         chase:     $7k cash
                     southwest:      $0 miles=78kmiles
                      coindesk:  $15.3k cryptocurrency
        
            By Type:
                cryptocurrency:  $15.3k (35.3%) ██████████████████████████████████████████
                          cash:    $10k (23.1%) ███████████████████████████████
                      equities:     $9k (20.8%) ███████████████████████████
                    retirement:     $9k (20.8%) ███████████████████████████
        
                         TOTAL:  $43.3k (assets = $43.3k, debt = $0)
        
        In this run, the values associated with the various asset classes (ex. equities, 
        cash, retirement, etc.) are taken as is. As such, you must be diligent about 
        keeping these values up to date, which is a manual operation. You might consider 
        updating your *estimated values* every 3-6 months.  However the current prices 
        for your configured securities and cryptocurrencies are downloaded and 
        multiplied by the given number of shares or tokens to get the up-to-date values 
        of your equities and cryptocurrency holdings. Thus you only need update them 
        after a transaction. Finally, mortgage balances are also kept up to date. You 
        only need update mortgages if you decide to change the payment amount in order 
        to pay off the loan faster.
        
        
        Releases
        --------
        **Latest Development Version**:
            | Version: 0.7.0
            | Released: 2020-03-06
        
        **0.7 (2020-03-06)**:
            - Now uses `QuantiPhy Eval <https://github.com/KenKundert/quantiphy_eval>`_ 
              to allow you to use expressions within strings for estimated values.
        
        **0.6 (2020-01-08)**:
            - Added --prices and --clear-cache command line options.
            - Support using a proxy
        
        **0.5 (2019-07-18)**:
        
        **0.4 (2019-06-15)**:
            - Convert to using new IEXcloud API for downloading security prices.
        
        **0.3 (2019-04-20)**:
            - Allow arbitrary date format in mortgages
            - Improve error reporting
            - Change the sign of the principal in mortgages
        
        **0.1 (2019-03-23)**:
            - Initial release
            - Add mortgage balance calculations
        
        **0.0 (2019-01-31)**:
            - Initial version
        
        
Keywords: networth
Platform: UNKNOWN
Classifier: Development Status :: 5 - Production/Stable
Classifier: Environment :: Console
Classifier: Intended Audience :: End Users/Desktop
Classifier: License :: OSI Approved :: GNU General Public License v3 or later (GPLv3+)
Classifier: Natural Language :: English
Classifier: Operating System :: POSIX :: Linux
Classifier: Programming Language :: Python :: 3.6
Classifier: Programming Language :: Python :: 3.7
Classifier: Topic :: Utilities
Requires-Python: >=3.6
