diff --git a/apps/api/src/app/endpoints/ai/ai-agent.chat.helpers.ts b/apps/api/src/app/endpoints/ai/ai-agent.chat.helpers.ts
index 23c470e06..08f97d308 100644
--- a/apps/api/src/app/endpoints/ai/ai-agent.chat.helpers.ts
+++ b/apps/api/src/app/endpoints/ai/ai-agent.chat.helpers.ts
@@ -414,6 +414,10 @@ export async function buildAnswer({
       return sum + valueInBaseCurrency;
     }, 0);
 
+    fallbackSections.push(
+      `Total portfolio value: ${portfolioAnalysis.totalValueInBaseCurrency.toFixed(2)} ${userCurrency} across ${portfolioAnalysis.holdingsCount} holdings.`
+    );
+
     if (totalLongValue > 0) {
       const topLongHoldingsSummary = longHoldings
         .slice(0, 3)
diff --git a/apps/api/src/app/endpoints/ai/ai-agent.utils.spec.ts b/apps/api/src/app/endpoints/ai/ai-agent.utils.spec.ts
index d90f201cb..d7e33cff7 100644
--- a/apps/api/src/app/endpoints/ai/ai-agent.utils.spec.ts
+++ b/apps/api/src/app/endpoints/ai/ai-agent.utils.spec.ts
@@ -48,6 +48,14 @@ describe('AiAgentUtils', () => {
     ).toEqual(['market_data_lookup']);
   });
 
+  it('selects portfolio analysis for portfolio value query wording', () => {
+    expect(
+      determineToolPlan({
+        query: 'how much money i have?'
+      })
+    ).toEqual(['portfolio_analysis']);
+  });
+
   it('returns no tools when no clear tool keyword exists', () => {
     expect(
       determineToolPlan({
diff --git a/apps/api/src/app/endpoints/ai/ai-agent.utils.ts b/apps/api/src/app/endpoints/ai/ai-agent.utils.ts
index c5369cb5e..3bf4b431f 100644
--- a/apps/api/src/app/endpoints/ai/ai-agent.utils.ts
+++ b/apps/api/src/app/endpoints/ai/ai-agent.utils.ts
@@ -49,11 +49,17 @@ const REBALANCE_KEYWORDS = [
 ];
 
 const STRESS_TEST_KEYWORDS = ['crash', 'drawdown', 'shock', 'stress'];
+const PORTFOLIO_VALUE_QUERY_PATTERNS = [
+  /\bhow much(?:\s+\w+){0,4}\s+(?:money|cash|value|worth)\b.*\b(?:i|my)\b.*\b(?:have|own)\b/,
+  /\b(?:net\s+worth|portfolio\s+value|portfolio\s+worth|account\s+balance|total\s+portfolio\s+value)\b/
+];
 const ANSWER_NUMERIC_INTENT_KEYWORDS = [
   'allocat',
+  'balance',
   'drawdown',
   'hhi',
   'market',
+  'money',
   'performance',
   'price',
   'quote',
@@ -61,7 +67,8 @@ const ANSWER_NUMERIC_INTENT_KEYWORDS = [
   'risk',
   'shock',
   'stress',
-  'trim'
+  'trim',
+  'worth'
 ];
 const ANSWER_ACTIONABLE_KEYWORDS = [
   'add',
@@ -275,6 +282,11 @@ export function determineToolPlan({
   const hasStressTestIntent = STRESS_TEST_KEYWORDS.some((keyword) => {
     return normalizedQuery.includes(keyword);
   });
+  const hasPortfolioValueIntent = PORTFOLIO_VALUE_QUERY_PATTERNS.some(
+    (pattern) => {
+      return pattern.test(normalizedQuery);
+    }
+  );
 
   if (
     normalizedQuery.includes('portfolio') ||
@@ -286,6 +298,10 @@ export function determineToolPlan({
     selectedTools.add('portfolio_analysis');
   }
 
+  if (hasPortfolioValueIntent) {
+    selectedTools.add('portfolio_analysis');
+  }
+
   if (
     normalizedQuery.includes('risk') ||
     normalizedQuery.includes('concentration') ||
diff --git a/apps/api/src/app/endpoints/ai/ai.service.spec.ts b/apps/api/src/app/endpoints/ai/ai.service.spec.ts
index 09f98abb6..9c96a628b 100644
--- a/apps/api/src/app/endpoints/ai/ai.service.spec.ts
+++ b/apps/api/src/app/endpoints/ai/ai.service.spec.ts
@@ -291,6 +291,46 @@ describe('AiService', () => {
     expect(generateTextSpy).not.toHaveBeenCalled();
   });
 
+  it('uses portfolio data for "how much money i have?" queries', async () => {
+    portfolioService.getDetails.mockResolvedValue({
+      holdings: {
+        AAPL: {
+          allocationInPercentage: 0.6,
+          dataSource: DataSource.YAHOO,
+          symbol: 'AAPL',
+          valueInBaseCurrency: 6000
+        },
+        MSFT: {
+          allocationInPercentage: 0.4,
+          dataSource: DataSource.YAHOO,
+          symbol: 'MSFT',
+          valueInBaseCurrency: 4000
+        }
+      }
+    });
+    redisCacheService.get.mockResolvedValue(undefined);
+    jest.spyOn(subject, 'generateText').mockRejectedValue(new Error('offline'));
+
+    const result = await subject.chat({
+      languageCode: 'en',
+      query: 'how much money i have?',
+      sessionId: 'session-total-value',
+      userCurrency: 'USD',
+      userId: 'user-total-value'
+    });
+
+    expect(result.answer).toContain('Total portfolio value: 10000.00 USD');
+    expect(result.answer).not.toContain('I am Ghostfolio AI');
+    expect(result.toolCalls).toEqual(
+      expect.arrayContaining([
+        expect.objectContaining({
+          status: 'success',
+          tool: 'portfolio_analysis'
+        })
+      ])
+    );
+  });
+
   it('routes ambiguous action follow-up query through recommendation tools when finance memory exists', async () => {
     portfolioService.getDetails.mockResolvedValue({
       holdings: {