modbender 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-Remainingshows 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 withnova_. Generate at app.novanetworth.com → Settings → Integrations.NOVA_API_URL(optional) — API base URL, defaults tohttps://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