12 KiB

Raw Blame History

AgentForge Bounty — $500 Submission

The Customer

Tech professionals anywhere in the world evaluating a job offer, relocation, or first home purchase. Specifically: someone with investments in Ghostfolio who wants to know:

"Is this job offer in Seattle/London/Tokyo actually a real raise after cost of living?"
"Can my portfolio fund a down payment? Where can I afford?"
"What is my total net worth including my home equity?"

The pain: "I have money in the market. I got a $180k offer in Seattle. I don't know if I can afford to move, whether I can buy a house, or if the raise is even real."

The Features

1. Portfolio → Down Payment Bridge

Reads the user's live Ghostfolio portfolio and calculates exactly which housing markets they can afford at 20% down with monthly payment estimates and rent vs buy comparison. Works for Austin (real MLS data) and any city worldwide (Teleport API).

2. Job Offer Affordability Calculator

Takes any salary offer and destination city anywhere in the world, adjusts for cost of living, and tells the user whether it is a real raise in purchasing power terms. Covers 200+ cities via Teleport API + real Austin MLS data. Handles state income tax comparison automatically.

3. Property Tracker — Full CRUD

Users log owned properties, track equity, monitor appreciation. Agent supports create, read, update, and delete via natural language. Stored in SQLite — persists across sessions. Soft-delete preserves audit trail.

4. Unified Net Worth View

Agent combines live investment portfolio + real estate equity into one complete financial picture in a single conversation turn.

5. Relocation Runway Calculator

Calculates month-by-month how long until the user rebuilds emergency fund, reaches a down payment, and feels financially stable after any relocation. Works for any two cities globally via Teleport API

ACTRIS Austin data.

6. Wealth Gap Visualizer

Compares actual net worth against Federal Reserve median wealth by age group. Projects retirement income at current savings rate. Shows what-if scenarios. Source: Federal Reserve Survey of Consumer Finances 2022.

7. Life Decision Advisor

Orchestrates all tools into one complete recommendation for any major life decision — job offer, relocation, home purchase, rent vs buy. Returns structured verdict with tradeoffs, confidence level, and next steps.

8. Equity Unlock Advisor

For homeowners: models three 10-year options for home equity — leave untouched, cash-out refi and invest, or use as rental property down payment. Uses real Austin appreciation data and current mortgage rates.

9. Family Financial Planner

Models financial impact of having children for any city worldwide. Covers 25+ US cities and international cities including European subsidized childcare. Shows income needed, cost breakdown, alternatives, and international comparisons (Berlin $333/mo vs Austin $1,500/mo).

Data Sources

User's own property data — stored in SQLite, persists across sessions, full CRUD via natural language

Ghostfolio portfolio API — live investment holdings, total value, performance data

Federal Reserve Survey of Consumer Finances 2022 — wealth percentile benchmarks by age group (public data)

US Dept of Labor + Care.com 2024 — childcare cost estimates for family planning feature (background data)

ACTRIS/Unlock MLS January 2026 — Austin TX market data available as background context when asked (provided by developer, licensed Austin real estate agent)

The Impact

The app solves a real problem: most people have money in both investments and real estate but no single place to see the complete picture or run scenarios on their own numbers.

A user adds their home (bought $400k, worth $480k, mortgage $310k) and immediately sees $170k equity tracked alongside their $94k investment portfolio — total net worth $264k in one view.

They then ask: "What if I buy a home every 2 years for the next 10 years and rent the previous one?"

The agent asks what appreciation and rent assumptions they want to use — because we do not guess at numbers for markets we cannot verify. The user says "moderate — 4% appreciation." The agent runs the projection using their actual portfolio balance, their income, and their assumptions — and returns a year-by-year picture of what their net worth could look like at retirement.

This is a conversation people pay financial advisors hundreds of dollars per hour to have. This app does it in 30 seconds — honestly, with the user's own numbers, and with clear disclaimers about what is a projection vs a prediction.

No market data promises. No city comparisons we cannot stand behind. Just the user's numbers, their assumptions, and honest math.

Suggestion Chips (UI)

Four rows of suggestion chips, visible before first message:

Row 1 — Portfolio (always shown):

📈 My portfolio performance
⚠️ Any concentration risk?
💰 Estimate my taxes

Row 2 — Property Tracking (when enableRealEstate=true):

🏠 Add my home to track equity
📊 Show my total net worth
💰 What are my equity options?

Row 3 — Life Decisions (when enableRealEstate=true):

💰 Can my portfolio buy a house?
✈️ I have a job offer — is it worth it?
🌍 How long until I'm stable if I move?

Row 4 — Strategy (when enableRealEstate=true):

📊 Am I ahead or behind financially?
👶 Can I afford to have kids?
🏘️ What if I buy a house every 2 years?

Tool Architecture

wealth_bridge.py
├── calculate_down_payment_power(portfolio_value, cities)
│     → 7 Austin markets (ACTRIS) or any cities (Teleport)
│     → can_afford_full / conservative / safe + monthly payment
│     → rent vs buy comparison + break-even years
├── calculate_job_offer_affordability(salaries, cities)
│     → COL-adjusted purchasing power for any two cities worldwide
│     → state income tax comparison
│     → verdict + breakeven salary needed
└── get_portfolio_real_estate_summary()
      → reads live Ghostfolio portfolio + runs down payment calc

property_tracker.py
├── add_property(address, prices, mortgage)
├── get_properties() / list_properties()
├── update_property(id, new_values)
├── remove_property(id)          ← soft delete
└── get_total_net_worth(portfolio_value)

real_estate.py (Austin — real ACTRIS MLS data)
├── search_listings(query, filters)
├── get_neighborhood_snapshot(location)
├── compare_neighborhoods(city_a, city_b)
└── get_listing_details(listing_id)

teleport_api.py (global — 200+ cities)
├── search_city_slug(city_name)   ← resolves to Teleport slug
└── get_city_housing_data(city_name)
      → live Teleport API → normalized schema → fallback if down

relocation_runway.py
└── calculate_relocation_runway(salaries, cities, portfolio_value)
      → months to 3mo/6mo emergency fund + down payment
      → compare stay vs move milestones

wealth_visualizer.py
└── analyze_wealth_position(portfolio, age, income, ...)
      → Fed Reserve percentile + retirement projection
      → what-if: save more / retire earlier

life_decision_advisor.py
└── analyze_life_decision(decision_type, user_context)
      → orchestrates wealth_bridge + runway + visualizer
      → returns verdict + tradeoffs + next steps

family_planner.py
└── plan_family_finances(city, income, ...)
      → childcare costs for 25+ cities (US + global)
      → income impact + alternatives + international comparison

Evals & Verification

100 fast-passing tests (deterministic, no network)
Tests by feature:
- 60 portfolio tests (holdings, performance, tax, compliance)
- 13 property tracker tests (full CRUD cycle, equity, net worth)
- 7 real estate strategy simulator tests (user assumptions, presets, disclaimer)
- 4 property onboarding tests (add, list, net worth, graceful empty)
- 6 wealth gap visualizer tests (Fed Reserve benchmarks)
- 4 equity unlock advisor tests (3-option analysis)
- 6 family financial planner tests (global childcare data)
- Additional async integration tests (wealth bridge, relocation runway, life decision advisor) that require network access
LangSmith tracing active at smith.langchain.com
/real-estate/log observability endpoint
Structured error codes on all tool failures (REAL_ESTATE_PROVIDER_UNAVAILABLE, PROPERTY_TRACKER_NOT_FOUND, PROPERTY_TRACKER_INVALID_INPUT, etc.)
All tools registered in LangGraph with conversation history maintained
Feature flag: ENABLE_REAL_ESTATE=true activates all real estate + wealth bridge features

New Files Added in This Submission

File	Purpose
`agent/tools/teleport_api.py`	Global city COL + housing data (200+ cities)
`agent/tools/wealth_bridge.py`	Down payment power + job offer COL calculator
`agent/tools/relocation_runway.py`	Month-by-month stability timeline for any relocation
`agent/tools/wealth_visualizer.py`	Fed Reserve wealth benchmarks + retirement projection
`agent/tools/life_decision_advisor.py`	Orchestrates tools into complete life decision verdict
`agent/tools/family_planner.py`	Financial impact of children for 25+ cities worldwide
`agent/tools/realestate_strategy.py`	Multi-property buy-and-rent strategy simulator (user assumptions)
`agent/evals/test_wealth_bridge.py`	Integration tests for wealth bridge features
`agent/evals/test_relocation_runway.py`	Integration tests for relocation runway calculator
`agent/evals/test_wealth_visualizer.py`	6 tests for wealth gap visualizer
`agent/evals/test_life_decision_advisor.py`	Integration tests for life decision advisor
`agent/evals/test_equity_advisor.py`	4 tests for equity unlock advisor
`agent/evals/test_family_planner.py`	6 tests for family financial planner
`agent/evals/test_realestate_strategy.py`	7 tests for strategy simulator (user assumptions, presets)
`agent/evals/test_property_onboarding.py`	4 tests for property onboarding flow
`agent/data/`	SQLite database directory for property persistence
`BOUNTY.md`	This file

Modified Files

File	Change
`agent/tools/real_estate.py`	Expose real ACTRIS data_source in responses + TX footer
`agent/tools/property_tracker.py`	Full SQLite CRUD + analyze_equity_options function
`agent/graph.py`	Strategy simulator routing + assumption extraction + onboarding
`apps/client/.../ai-chat.component.html`	Personal tracking chips replacing market data chips
`apps/client/.../ai-chat.component.scss`	Amber gold (Row 3) + purple/violet (Row 4) chip styling

12 KiB Raw Blame History