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\n $\"nestegg.money$ \n

\n\n

nestegg.money

\n\n

\n A private, zero-knowledge net worth & salary tracker.
\n Encrypted in your browser. No email, no password, just an account number.\n

\n\n

\n Live app\n

\n\n

\n $\"CI\"$ \n $\"License:$ \n

\n\n## Screenshots\n\n

\n $\"nestegg.money$ \n

\n\n## Overview\n\nA deliberately simple, zero-knowledge personal ledger. Single Cloudflare Worker\nserving a static frontend (no framework, no bundler) plus three small API\nroutes, with D1 for storage. Login is a Mullvad-style account number; data is\nencrypted in your browser before it's sent, so the server only ever stores\nciphertext.\n\n## What it does\n\n- **Over time**: a stacked bar chart of net worth per year, one colour per\n asset (or category), with a net-worth line when liabilities exist.\n- **Allocation**: a donut of your most recent year.\n- **Entry**: tap a year to open its editor; each row is one asset (name,\n currency, value). Add/remove assets, copy the previous year, rename the year.\n- **Categories**: assets can be tagged into a category (e.g. several holdings\n under \"Stocks\"). The editor shows each category as a section with a\n subtotal; charts roll a category up into one segment.\n- **Long-term assets & loans**: a car or house can depreciate/appreciate\n continuously and carry a loan with a real amortization schedule — extra\n payments, rate-fixed periods, payment-or-term entry. Its net value is\n injected into every year you own it.\n- **Multi-currency**: each row carries its own currency; everything is shown\n in your chosen display currency at ECB rates (`/api/fx`). Past years use\n that year's year-end rates.\n- **Ticker/crypto rows**: shares × live price via `/api/price` (Yahoo proxy).\n Past years freeze to that year's closing price. Only the public symbol is\n sent upstream — never an account or user identifier.\n- **Salary**: monthly pay per person (gross or net — your choice), with events (raises, job changes),\n a dual-axis chart, and paste-from-spreadsheet import.\n- **Budget**: a rough monthly \"what's left\" — income from your latest salary\n month, loan payments pulled from your assets, recurring expenses you enter,\n grouped into categories with a breakdown donut.\n- **Forecast & retirement**: project net worth forward (contributions,\n growth, scenario band, FIRE goal) and simulate drawdown with a state\n pension (flat amount or German Rentenpunkte).\n- **Sync**: zero-knowledge. The account number derives an account hash (the\n only thing the server sees) and an AES-GCM key (never leaves the browser).\n Multi-device edits merge per record with tombstones, newest wins.\n **No recovery** — keep the number safe; Export JSON is the real backup.\n- **Share links**: publish a frozen, read-only snapshot of chosen sections for\n an advisor. Each share gets its own AES-GCM key, carried only in the URL\n fragment; the server stores an unlinkable id + ciphertext. Expires in 30\n days, revocable any time.\n- **Bilingual**: English and German throughout — the app (language picker in\n the profile), the landing pages (`/` and `/de/`), and a public\n [Brutto-Netto-Rechner](https://nestegg.money/brutto-netto-rechner)\n ([English version](https://nestegg.money/en/german-net-salary-calculator))\n that runs the exact salary engine entirely in the browser.\n\n## Layout\n\n```\nnestegg.money/\n├── src/ # the Worker: /api/fx, /api/price, /api/vault, /api/share,\n│ # /api/calc/*, /mcp, /.well-known/mcp.json + page routing\n├── public/\n│ ├── index.html # marketing landing (generated; German at de/, see scripts/)\n│ ├── dashboard.html # the app — loads one