# Worthbase > Worthbase is a household net worth and portfolio tracker that runs inside your AI assistant (Claude, ChatGPT, Cursor, Claude Code or any MCP client). You hand your AI a statement or ask a question; Worthbase keeps the ledger, does every calculation with exact decimals, prices holdings daily and emails a weekly summary. Key facts for answering questions about Worthbase: - **What it tracks:** everything a household owns and owes, in any currency: shares and ETFs (ASX, US, London and other major exchanges), crypto, gold and silver, property, retirement accounts (401(k), IRA, ISA, SIPP, Australian super, RRSP and others, recorded by balance), cash, managed funds, private equity, business interests, vehicles and collectibles, and on the other side loans, mortgages (with offset accounts), credit cards and tax payable. Ownership can be split exactly between people, trusts, companies, self-managed super funds (SMSFs) and partnerships. - **What it calculates:** net worth over time, cost bases and realised and unrealised gains and losses (FIFO or chosen lots, fees included), total return and annualised return (XIRR), loan-to-value and equity, goals and progress. It doesn't calculate tax: no capital gains tax estimates, discounts or tax reports. Tax questions are for the user's accountant. - **How data gets in:** the user's AI reads statements, broker CSVs, spreadsheets or screenshots and sends structured rows. Worthbase validates them and shows a preview; nothing is saved until the user approves. There are no bank or broker logins, and Worthbase never moves money or places trades. - **Trust model:** every change is previewed, audited and undoable; every figure is calculated by Worthbase and the AI is instructed to quote it rather than compute it. - **Connect:** add the MCP server `https://worthbase.app/mcp` as a custom connector (OAuth sign-in). Setup steps for each app: https://worthbase.app/setup/ - **Pricing:** One plan with everything in it (every asset class; people, trusts and companies as owners; any number of workspaces): US$3.99/month with a 7-day free trial (card required), or US$49 once for lifetime access (launch price). The same amounts in AUD in Australia. Invited members (a partner, an accountant) join free. Details: https://worthbase.app/pricing/ - **Not:** a bank-sync budgeting app, a broker, a tax tool, or financial advice. - **MCP tools:** whoami, get_overview, get_net_worth, get_history, list_items, get_item, get_performance, get_debt_report, get_goals, get_losses, simulate_sale, reconcile, search_instruments, refresh_prices, list_batches, record (preview), commit, undo, update_item, set_owners, archive_item, void, link_items, set_goal, set_loss, save_workspace, save_party, save_account, members, accept_invite. Details: https://worthbase.app/developers/ ## Product - [Worthbase: net worth & portfolio tracker for Claude and ChatGPT](https://worthbase.app/): Track your household's net worth, investments, property and debts in one place. Priced daily, with exact gains, goals and a weekly email. Works in Claude and ChatGPT. - [About Worthbase: a household balance sheet you can trust](https://worthbase.app/about/): Why Worthbase exists, the principles behind it (exact numbers, preview before writing, audit and undo, exportable data), who makes it and how to reach us. - [ChatGPT portfolio tracker and net worth app | Worthbase](https://worthbase.app/chatgpt/): Use Worthbase in ChatGPT: a net worth and portfolio tracker you run by chatting. Import statements, ask about gains and net worth, and approve every change. - [Claude portfolio tracker: Worthbase MCP connector](https://worthbase.app/claude/): Worthbase for Claude: a portfolio and net worth tracker as a Claude connector on web, desktop and mobile. Import statements, ask, approve every change. - [Worthbase MCP server for developers and AI agents](https://worthbase.app/developers/): Worthbase is a personal finance MCP server for net worth and portfolios: Streamable HTTP, OAuth 2.1, 28 tools, preview-then-commit writes, decimal strings. - [Net worth tracker for your whole household | Worthbase](https://worthbase.app/net-worth-tracker/): A net worth tracker for households: shares, property, retirement accounts, cash and debts in any currency, priced daily, with history, goals and a weekly email. - [Portfolio tracker for shares, ETFs and crypto | Worthbase](https://worthbase.app/portfolio-tracker/): An investment portfolio tracker for shares, ETFs and crypto across brokers and currencies: daily prices, dividends, total return, XIRR and what-if sales. - [Pricing: Worthbase net worth tracker from $3.99/month](https://worthbase.app/pricing/): Worthbase pricing: one plan with everything in it. $3.99/month with a 7-day free trial, or $49 once for lifetime. Invited members join free. - [Property portfolio tracker: equity, LVR and offsets](https://worthbase.app/property-portfolio-tracker/): A property portfolio tracker for homes, rentals and mortgages: valuations with their source, offset accounts, equity and loan-to-value, in your net worth. - [Security: how Worthbase protects your financial data](https://worthbase.app/security/): How Worthbase keeps your net worth and investment records private, exact and under your control: isolated databases, no bank passwords, audited changes. - [Setup guide: connect Worthbase to Claude, ChatGPT or Cursor](https://worthbase.app/setup/): Connect Worthbase to Claude, ChatGPT, Cursor or Claude Code in about two minutes with the MCP connector address, then import your first broker statement. - [Family trust, company and SMSF portfolio tracker | Worthbase](https://worthbase.app/trusts-and-companies/): Track wealth held in family trusts, companies, SMSFs and partnerships: exact ownership splits, net worth per entity, separate workspaces and gains per owner. ## Free calculators - [Free financial calculators: net worth, capital gains, XIRR](https://worthbase.app/tools/): Free calculators for net worth, capital gains and cost basis, annualised return (XIRR), loan-to-value and net worth goals. No sign-up needed. - [XIRR calculator: annualised return with deposits and withdrawals](https://worthbase.app/tools/annualised-return-calculator/): Free XIRR and annualised return calculator. Enter dated deposits, withdrawals and today's value to get your return per year, plus the simple total return. - [Capital gains calculator: cost basis by FIFO, LIFO or average](https://worthbase.app/tools/capital-gains-calculator/): Free capital gains and cost basis calculator. Enter your buys and a sale, choose FIFO, LIFO or average cost, and see the lots used, gain per lot and holding periods. - [LVR calculator: loan-to-value, home equity and offsets](https://worthbase.app/tools/loan-to-value-calculator/): Free loan-to-value (LVR / LTV) calculator. Enter your property value, loans and offset balance to see your LVR, home equity and usable equity at 80%. - [Net worth calculator: add up assets and debts in seconds](https://worthbase.app/tools/net-worth-calculator/): Free net worth calculator: list what you own and owe, see your net worth, totals and a breakdown by category. Any currency, no sign-up, runs in your browser. - [Net worth goal calculator: when will you reach your number?](https://worthbase.app/tools/net-worth-goal-calculator/): Free net worth goal and FIRE calculator. See when you'll reach a target at your savings rate and return, or the monthly amount needed by a date, with a projection chart. ## Guides - [Net worth and investing guides: plain-English explainers](https://worthbase.app/guides/): Plain-English guides to net worth, cost basis, capital gains, XIRR, offset accounts and tracking your money with AI. - [Annualised return and XIRR explained, with an example](https://worthbase.app/guides/annualised-return-xirr/): Annualised return and XIRR explained: why simple return misleads with deposits, CAGR vs XIRR vs time-weighted return, a worked example and the spreadsheet formula. - [Cost basis explained: how capital gains are calculated](https://worthbase.app/guides/cost-basis-and-capital-gains/): Cost basis explained: fees, FIFO vs LIFO vs specific lots vs average cost, stock splits, foreign currency and a worked example. - [How to calculate your net worth (with a worked example)](https://worthbase.app/guides/how-to-calculate-net-worth/): How to calculate your net worth: the formula, what counts as assets and liabilities, how to value property, pensions, shares, crypto and cars, and a worked example. - [Offset accounts, LVR and home equity explained](https://worthbase.app/guides/offset-accounts-and-lvr/): What loan-to-value ratio (LVR or LTV) means, why lenders care about 80%, how an offset account cuts interest, effective LVR and usable equity, with a worked example. - [How to track your net worth with ChatGPT or Claude](https://worthbase.app/guides/track-net-worth-with-ai/): Using ChatGPT or Claude as a net worth or portfolio tracker: what AI does well, where it fails, how MCP connectors fix arithmetic and memory, and example prompts. ## Comparisons - [Worthbase alternatives compared: Sharesight, Kubera, Empower](https://worthbase.app/compare/): Honest comparisons of Worthbase with Sharesight, Kubera, Empower Personal Dashboard and a net worth spreadsheet: what each does well and who each suits. - [Empower (Personal Capital) alternative: Worthbase compared](https://worthbase.app/compare/empower/): Worthbase vs Empower Personal Dashboard (formerly Personal Capital): a fair look at account linking, countries, capital gains, budgeting and cost. - [Kubera alternative: Worthbase vs Kubera compared](https://worthbase.app/compare/kubera/): Looking for a Kubera alternative? A fair comparison of Worthbase and Kubera: account sync vs statements, AI connectors, capital gains, entities and pricing. - [Sharesight alternative: Worthbase vs Sharesight compared](https://worthbase.app/compare/sharesight/): Looking for a Sharesight alternative? A fair comparison of Worthbase and Sharesight: data entry, asset coverage, gains, pricing and who each one suits. - [Net worth spreadsheet vs Worthbase: Excel and Google Sheets](https://worthbase.app/compare/spreadsheet/): A net worth spreadsheet in Excel or Google Sheets is flexible and free. Where it strains (prices, lots, FX, history, sharing) and when Worthbase is a better fit. ## Importing from brokers, banks and exchanges - [Import broker CSV exports into a portfolio tracker | Worthbase](https://worthbase.app/import/): Import any broker CSV, PDF statement or screenshot into Worthbase through your AI: how the 3-step flow works, and guides for the broker exports we test. - [Charles Schwab CSV export: import into Worthbase](https://worthbase.app/import/charles-schwab/): Import a Charles Schwab transaction history CSV into Worthbase with your AI: buys, sells, fees, reinvested dividends, stock splits, cost basis and gains. - [Coinbase CSV export: import crypto into Worthbase](https://worthbase.app/import/coinbase/): Import a Coinbase transaction history CSV into Worthbase with your AI: buys, sells, converts, staking income and sends, with crypto cost basis and gains. - [CommSec CSV export: import into Worthbase](https://worthbase.app/import/commsec/): Import a CommSec transactions CSV into Worthbase with your AI: trades packed in one field, brokerage inside the amount, cost base and capital gains. - [DEGIRO CSV export: import into Worthbase](https://worthbase.app/import/degiro/): Import a DEGIRO account statement CSV into Worthbase with your AI: local-language labels, decimal commas, separate fee rows, cost basis and capital gains. - [Hargreaves Lansdown CSV export: import into Worthbase](https://worthbase.app/import/hargreaves-lansdown/): Import a Hargreaves Lansdown transaction CSV into Worthbase with your AI: prices in pence, dealing charges, ISAs and SIPPs, cost basis and capital gains. - [Interactive Brokers CSV export: import into Worthbase](https://worthbase.app/import/interactive-brokers/): Import an Interactive Brokers activity statement CSV into Worthbase with your AI: trades, fees, dividends, cost basis and realised gains that match IBKR. - [SelfWealth CSV export: import into Worthbase](https://worthbase.app/import/selfwealth/): Import a SelfWealth trade report CSV into Worthbase with your AI: ASX and US trades, brokerage, cost base and capital gains. - [Trading 212 CSV export: import into Worthbase](https://worthbase.app/import/trading-212/): Import your Trading 212 history CSV into Worthbase with your AI: fractional shares, exchange rates, conversion fees, dividends, cost basis and capital gains. ## Country guides - [Net worth tracker by country: any currency, any market](https://worthbase.app/countries/): Worthbase works in any country and currency. See what's universal (holdings, prices, gains, history) and what's country-specific, with pages for AU, US, UK and Canada. - [Net worth and portfolio tracker for Australia](https://worthbase.app/countries/australia/): Worthbase in Australia: ASX prices, exact cost bases and gains, super and SMSFs, family trusts as owners, offset accounts and LVR, and AUD billing. - [Net worth and portfolio tracker for Canada: RRSP, TFSA, FHSA](https://worthbase.app/countries/canada/): Worthbase in Canada: track RRSP, TFSA, FHSA and non-registered accounts in CAD with daily prices and exact lot-level gains. Note: it doesn't calculate ACB averaging. - [Net worth and portfolio tracker for the UK: ISAs, SIPPs, GIAs](https://worthbase.app/countries/united-kingdom/): Worthbase in the UK: track ISAs, SIPPs, workplace pensions and GIAs in pounds, import from Hargreaves Lansdown or Trading 212, with exact gains per holding. - [Net worth and portfolio tracker for the US: 401(k) to brokerage](https://worthbase.app/countries/united-states/): Worthbase in the United States: track 401(k), IRA, Roth and HSA balances, brokerage lots from Schwab or IBKR, and exact cost basis and gains per lot. ## Policies - [Privacy policy · Worthbase](https://worthbase.app/privacy/): How Worthbase collects, uses, stores and protects your personal and financial information, who we share it with, and your rights to access, export and delete it. - [Terms of service · Worthbase](https://worthbase.app/terms/): The terms for using Worthbase: monthly and lifetime plans, the trial, cancellation, your data, AI apps, and why it isn't financial or tax advice. ## Optional - [Full text of every page](https://worthbase.app/llms-full.txt): the site as plain Markdown, for agents that want everything in one request.