# net_worth

Net Worth Calculator — Total assets minus liabilities, plus liquid net worth and debt-to-asset ratio.

Agent View of the PolicyLayer registry record for `net_worth`. HTML page: https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/net-worth

## Facts

- Tool: `net_worth`
- Server: Gateway (`https://wingmanprotocol.com/mcp`) — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway.md
- Homepage: https://github.com/WingmanProtocol-Agent-Gateway/wingman-agent-gateway
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 11
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `cash` | number | no | Cash and bank balances in USD |
| `vehicles` | number | no | Vehicle value in USD |
| `auto_loans` | number | no | Auto-loan balance in USD |
| `investments` | number | no | Taxable investment/brokerage balances in USD |
| `other_debts` | number | no | Other debts in USD |
| `real_estate` | number | no | Real-estate value in USD |
| `other_assets` | number | no | Other assets in USD |
| `student_loans` | number | no | Student-loan balance in USD |
| `credit_card_debt` | number | no | Credit-card debt in USD |
| `mortgage_balance` | number | no | Outstanding mortgage balance in USD |
| `retirement_accounts` | number | no | Retirement account balances (401k/IRA) in USD |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "net_worth",
    "arguments": {}
  }
}
```

## Why net_worth is rated Low

This is a pure computational calculator that takes financial data as input and returns calculated results (net worth, ratios). It retrieves no external data, modifies no persistent state, executes no code, and initiates no financial transactions. The calculation is deterministic and side-effect-free, making it a Read operation with low risk even if misused by an AI agent.

From the tool's own definition: "Tool name 'net_worth' and description 'Net Worth Calculator — Total assets minus liabilities, plus liquid net worth and debt-to-asset ratio' indicate a calculation and retrieval function that performs arithmetic on provided inputs to display financial metrics."

Risk signals: High parameter count (11 properties)

## Use case

AI agents call net_worth to retrieve information from Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Gateway:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "net_worth": {}
  }
}
```

## Other tools on Gateway (270)

- `cancel_watch` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/cancel-watch.md
- `forget_memories` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/forget-memories.md
- `text_truncate_ellipsis` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/text-truncate-ellipsis.md
- `vault_delete` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/vault-delete.md
- `arena_call` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/arena-call.md
- `bitwise` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/bitwise.md
- `browse` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse.md
- `browse_back` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-back.md
- `browse_click` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-click.md
- `browse_close` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-close.md
- `browse_evaluate` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-evaluate.md
- `browse_fill` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-fill.md
- `browse_navigate` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-navigate.md
- `browse_open` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-open.md
- `browse_select` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-select.md
- `browse_solve_challenge` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-solve-challenge.md
- `browse_type` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-type.md
- `browse_wait_for` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-wait-for.md
- `coach_mission` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/coach-mission.md
- `dice_notation_roll` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/dice-notation-roll.md
- `gen_avatar_video` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-avatar-video.md
- `gen_id_portrait` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-id-portrait.md
- `gen_image` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-image.md
- `gen_video` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-video.md
- `hmac` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/hmac.md
- `markdown_to_html` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/markdown-to-html.md
- `matrix` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/matrix.md
- `regex_tester` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/regex-tester.md
- `request_handoff` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/request-handoff.md
- `retry_backoff` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/retry-backoff.md
- …and 240 more: https://policylayer.com/tools/com-wingmanprotocol-agent-gateway.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=com-wingmanprotocol-agent-gateway · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/com-wingmanprotocol-agent-gateway