Net worth & leverage rating API

Compute net worth as Σ assets − Σ liabilities with a debt-to-asset leverage ratio and a rating bucket (healthy ≤0.3, moderate ≤0.5, high >0.5, negative if underwater), echoing totals for audit. Answers 'what is my net worth','assets minus liabilities','how leveraged am I'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-net-worth

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcnet-worthbalance-sheetleveragedebt-to-assetwealthpersonal-financeassets

API URLhttps://x402.hexl.dev/v1/calc/pf-net-worth

Integration docs

Example request

{
  "assets": [
    350000,
    50000,
    20000
  ],
  "liabilities": [
    200000,
    15000
  ]
}

Example response

{
  "formula": "netWorth = Σ assets − Σ liabilities",
  "netWorth": 205000,
  "totalAssets": 420000,
  "totalLiabilities": 215000,
  "debtToAssetRatio": 0.512,
  "rating": "high leverage",
  "breakdown": {
    "assetCount": 3,
    "liabilityCount": 2,
    "totalAssets": 420000,
    "totalLiabilities": 215000
  }
}

Input schema

{
  "type": "object",
  "required": [
    "assets",
    "liabilities"
  ],
  "properties": {
    "assets": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "description": "list of asset values",
      "examples": [
        [
          350000,
          50000,
          20000
        ]
      ]
    },
    "liabilities": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "description": "list of liability balances",
      "examples": [
        [
          200000,
          15000
        ]
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}