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