---
title: Balance
description: A monthly snapshot of everything you own and owe. Net Worth = Assets − Liabilities. Capture it once a month to build a long-term wealth trend.
---

export const askRows = [
  { cmd: '"Log my balance for April"',    desc: 'Claude walks every category and saves them in one batch' },
  { cmd: '"How is my net worth trending?"', desc: 'Monthly trend + progress toward your FIRE target (when profile is set)' },
  { cmd: '[net_worth.xlsx attached] "Monthly net worth from 2023"', desc: <><code>/import-balance</code> maps the columns and imports every month in one call</> },
];

export const monthlyShortcut = [
  { cmd: <code>firma add monthly</code>, desc: 'Balance + cash flow in one session. Recommended for month-end' },
];

export const editRows = [
  { cmd: <code>firma edit balance [YYYY-MM]</code>,   desc: 'Re-run the wizard with existing values pre-filled' },
  { cmd: <code>firma delete balance [YYYY-MM]</code>, desc: 'Delete all balance entries for a period' },
];

export const assets = [
  { cmd: 'cash',           desc: 'Checking and savings accounts, cash on hand' },
  { cmd: 'cash_other',     desc: 'Foreign cash, foreign bank accounts' },
  { cmd: 'housing_sub',    desc: 'Housing subscription or lease deposit' },
  { cmd: 'savings',        desc: 'General savings accounts' },
  { cmd: 'domestic_stock', desc: 'Domestic equities and ETFs' },
  { cmd: 'overseas_stock', desc: 'Stocks in a foreign market. Auto-filled from portfolio, wizard asks domestic vs overseas' },
  { cmd: 'pension',        desc: 'Retirement accounts, DC/IRP plans' },
  { cmd: 'real_estate',    desc: 'Property owned at market or assessed value' },
  { cmd: 'deposit',        desc: 'Fixed deposits, time deposits, money market' },
  { cmd: 'vehicle',        desc: 'Cars, motorcycles at current value' },
];

export const liabilities = [
  { cmd: 'loan',            desc: 'Personal loans, auto loans, mortgage principal' },
  { cmd: 'long_term_other', desc: 'Other long-term liabilities' },
  { cmd: 'credit_card',     desc: 'Outstanding credit card balance (not the limit)' },
  { cmd: 'short_term_other',desc: 'Other short-term liabilities' },
];

<Section label="Ask Claude">
  <CommandTable rows={askRows} />
</Section>

<section className="section">
  <p className="section-label">firma show balance [-p YYYY-MM]<Badge>power user</Badge></p>

Shows the balance snapshot for the current month. Pass <code>-p</code> to
view a specific period.

<div className="terminal">
  <div className="terminal-line">
    <span className="term-prompt">$</span>
    <span className="term-cmd">firma show balance -p 2026-03</span>
  </div>
  <pre className="term-pre"><span className="d">Balance Sheet  2026-03</span></pre>
  <table className="term-table">
    <tbody>
      <tr><td className="td-muted" colSpan={2}>ASSETS</td></tr>
      <tr><td>cash</td><td>$40,149</td></tr>
      <tr><td>cash_other</td><td className="td-muted">$0</td></tr>
      <tr><td>housing_sub</td><td>$4,039</td></tr>
      <tr><td>savings</td><td className="td-muted">$0</td></tr>
      <tr><td>domestic_stock</td><td className="td-muted">$0</td></tr>
      <tr><td>overseas_stock</td><td>$259,347</td></tr>
      <tr><td>pension</td><td>$7,477</td></tr>
      <tr><td>real_estate</td><td>$6,817</td></tr>
      <tr><td>deposit</td><td>$65,551</td></tr>
      <tr><td>vehicle</td><td>$44,384</td></tr>
      <tr className="sep"><td colSpan={2}/></tr>
      <tr><td className="td-muted" colSpan={2}>LIABILITIES</td></tr>
      <tr><td>loan</td><td className="td-muted">$0</td></tr>
      <tr><td>long_term_other</td><td className="td-muted">$0</td></tr>
      <tr><td>credit_card</td><td>$1,073</td></tr>
      <tr><td>short_term_other</td><td className="td-muted">$0</td></tr>
      <tr className="sep"><td colSpan={2}/></tr>
    </tbody>
    <tfoot>
      <tr><td className="td-muted">Assets</td><td>$427,764</td></tr>
      <tr><td className="td-muted">Liabilities</td><td>$1,073</td></tr>
      <tr><td className="td-muted">Net Worth</td><td>$426,691</td></tr>
    </tfoot>
  </table>
</div>

  <Note>
    Investments are auto-filled from your portfolio when you run{' '}
    <code>firma add balance</code>. The wizard asks whether to log them as{' '}
    <code>domestic_stock</code> or <code>overseas_stock</code>. Choose based
    on whether the market is in your home country or abroad.
  </Note>
</section>

<Section label="Month-end Workflow">
If you record balance and cash flow every month, use <code>firma add monthly</code>
instead. It runs both wizards back-to-back and shows a combined summary
(net worth, net flow, savings rate) at the end.

  <CommandTable rows={monthlyShortcut} />
</Section>

<Section label="firma add balance [-p YYYY-MM]">
Interactive wizard that walks through every asset and liability category.
Existing values are shown as placeholders. Press Enter to keep them.
Investments are filled automatically from your portfolio. The wizard asks
whether to log them as <code>domestic_stock</code> or <code>overseas_stock</code>.

<div className="terminal">
  <div className="terminal-line">
    <span className="term-prompt">$</span>
    <span className="term-cmd">firma add balance</span>
  </div>
  <div className="terminal-block">
    <div className="term-row"><span className="term-meta" style={{color:'var(--muted)'}}>  Period: 2026-04  (2026-04-30)</span></div>
    <div className="term-row" style={{marginTop:'0.4rem'}}><span className="term-meta">── ASSETS ──────────────────────────────</span></div>
    <div className="term-row"><span className="term-meta">◆  Cash</span><span className="term-val">$48,000</span></div>
    <div className="term-row"><span className="term-meta">◆  Investments  <span style={{color:'var(--muted)'}}>($283,400 auto)</span></span><span className="term-val">↵ keep</span></div>
    <div className="term-row"><span className="term-meta">◆  Pension</span><span className="term-val">$11,600</span></div>
    <div className="term-row"><span className="term-meta">◆  Real Estate</span><span className="term-val">$10,400</span></div>
    <div className="term-row"><span className="term-meta">◆  Vehicle</span><span className="term-val">$66,000</span></div>
    <div className="term-row"><span className="term-meta">◆  Deposit</span><span className="term-val">$24,000</span></div>
    <div className="term-row" style={{marginTop:'0.4rem'}}><span className="term-meta">── LIABILITIES ─────────────────────────</span></div>
    <div className="term-row"><span className="term-meta">◆  Credit Card</span><span className="term-val">$850</span></div>
    <div className="term-row"><span className="term-meta">◆  Loans</span><span className="term-val">0</span></div>
    <div className="term-row" style={{marginTop:'0.5rem'}}><span className="term-meta" style={{color:'var(--muted)'}}>  Balance Sheet  2026-04</span></div>
    <div className="term-row"><span className="term-meta">  Assets</span><span className="term-val">$443,400</span></div>
    <div className="term-row"><span className="term-meta">  Liabilities</span><span className="term-val">$850</span></div>
    <div className="term-row"><span className="term-meta">  Net Worth</span><span className="term-val">$442,550</span></div>
  </div>
</div>
</Section>

<Section label="Editing & Deleting">
  <CommandTable rows={editRows} />

  <Note>
    If no period is given, defaults to the current month.
    Editing re-runs the full wizard. Change only the values you need to update.
  </Note>
</Section>

<Section label="Categories">
  <CommandTable groups={[
    { label: 'Assets',      rows: assets },
    { label: 'Liabilities', rows: liabilities },
  ]} />
</Section>
