nova-net-worth

name	nova-net-worth
description	Query your Nova Net Worth financial data — net worth, accounts, holdings, goals, spending, transactions, AI insights, and health score. Use when the user asks about their finances, money, net worth, account balances, investment holdings, portfolio, stocks, financial goals, spending habits, budget, savings, investments, debt, transactions, or financial health. Requires NOVA_API_KEY environment variable (API key from app.novanetworth.com → Settings → Integrations).
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Nova Net Worth API Skill

Query your complete financial picture from Nova Net Worth via the Agent API v1.

Setup

Set the NOVA_API_KEY environment variable with your Nova API key:

export NOVA_API_KEY=nova_your_key_here

Generate your API key at: app.novanetworth.com → Settings → Integrations Requires SuperNova ($19.99/mo) or Galaxy (enterprise) subscription.

Quick Start

For any "how are my finances?" or daily briefing question, use the composite endpoint:

node scripts/nova-api.js briefing --pretty

Available Commands

Run scripts/nova-api.js with a subcommand:

# Full financial briefing (RECOMMENDED — one call gets everything)
node scripts/nova-api.js briefing
node scripts/nova-api.js briefing --pretty    # Human-readable format

# Net worth summary
node scripts/nova-api.js summary

# All accounts with balances, grouped by type
node scripts/nova-api.js accounts

# Recent transactions with filtering
node scripts/nova-api.js transactions
node scripts/nova-api.js transactions --days 7 --limit 20
node scripts/nova-api.js transactions --category FOOD_AND_DRINK
node scripts/nova-api.js transactions --account acct_123
node scripts/nova-api.js transactions --since 2026-02-20T00:00:00Z  # Delta polling

# Financial goals with progress
node scripts/nova-api.js goals

# Monthly spending by category
node scripts/nova-api.js spending
node scripts/nova-api.js spending --months 3

# AI-generated financial insights
node scripts/nova-api.js insights

# Net worth trend over time
node scripts/nova-api.js history
node scripts/nova-api.js history --days 90

# Financial health score breakdown
node scripts/nova-api.js health

# Investment holdings and positions
node scripts/nova-api.js holdings                    # All holdings
node scripts/nova-api.js holdings --pretty           # Human-readable with gain/loss
node scripts/nova-api.js holdings --account acct_123 # Filter by account
node scripts/nova-api.js holdings --summary          # Aggregate by ticker across accounts

All commands support --pretty for human-readable output or --json (default) for raw JSON.

When to Use Which Endpoint

User Question	Command	Why
"How are my finances?" / "Financial update"	briefing	Everything in one call
"What's my net worth?"	summary	Quick headline number
"Show my accounts" / "How much in savings?"	accounts	All accounts with balances
"What did I spend on food?" / "Recent purchases"	transactions --category FOOD_AND_DRINK	Filterable transaction list
"Monthly spending breakdown"	spending	Categories with comparison
"Am I on track for my goals?"	goals	Progress tracking
"Any financial insights?"	insights	AI recommendations
"Net worth trend this year"	history --days 365	Historical snapshots
"How's my financial health?"	health	Score with recommendations
"What stocks do I own?" / "Show my portfolio"	holdings --pretty	Positions with gain/loss
"Total exposure by ticker"	holdings --summary	Aggregated across accounts

Response Format

All responses: { success: true, data: {...}, meta: { requestId, timestamp } }

Money values are in cents (integer) with a currency field. Divide by 100 for display. Example: 45840017 = $458,400.17

Transaction Categories (Plaid)

Common categories for filtering: FOOD_AND_DRINK, RENT_AND_UTILITIES, TRANSPORTATION, GENERAL_MERCHANDISE, TRANSFER_OUT, TRANSFER_IN, LOAN_PAYMENTS, ENTERTAINMENT, PERSONAL_CARE, MEDICAL, TRAVEL, INCOME, UNCATEGORIZED

Rate Limits

• SuperNova: 100 requests/hour
• Galaxy: 1,000 requests/hour
• Headers: X-RateLimit-Remaining shows remaining calls

Delta Polling

For efficient monitoring, use --since with the timestamp of your last request:

node scripts/nova-api.js transactions --since 2026-02-25T12:00:00Z

This returns only new transactions since that time, minimizing data transfer.

Environment

• NOVA_API_KEY (required) — Your Nova API key starting with nova_. Generate at app.novanetworth.com → Settings → Integrations.
• NOVA_API_URL (optional) — API base URL, defaults to https://api.novanetworth.com

API Documentation

• OpenAPI spec: https://api.novanetworth.com/api-docs/openapi.yaml
• Interactive docs: https://novanetworth.com/api-docs
• AI plugin: https://novanetworth.com/.well-known/ai-plugin.json