Include investment holding values in net worth and account balances

- Net worth report, balance sheet, and daily snapshots now add holding
  market values (falling back to cost basis) to investment-type account
  balances (investment, pension, stocks_shares_isa, crypto_wallet)
- Accounts list shows total value for investment accounts with a
  breakdown line ("£X cash + £Y holdings") when both are non-zero
- Add Holding modal gains a "Debit account for this purchase" toggle
  that creates a matching withdrawal transaction, enabling proper cash
  flow tracking for users who fund their brokerage via transfer first
- Both simple (holdings-only) and full cash-flow workflows produce
  correct net worth figures without double-counting

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

README.md

@@ -33,6 +33,7 @@ Runs entirely on your own hardware via Docker Compose. Designed for LAN access w
 - Capital gains reporting (short/long-term by tax year)
 - OHLCV candlestick charts per asset
 - Portfolio visualisations: allocation donut by holding, allocation donut by asset type, cost basis vs current value bar chart, return % per holding bar chart
+- Investment account balances include holding market values in net worth, balance sheet, and accounts list — supports both simple (holdings only) and full cash-flow tracking workflows
 
 ### Reports
 Seven report views:

backend/app/services/investment_service.py

@@ -142,6 +142,51 @@ async def get_portfolio(db: AsyncSession, user_id: uuid.UUID, base_currency: str
     )
 
 
+async def get_portfolio_value_by_account(
+    db: AsyncSession, user_id: uuid.UUID, base_currency: str
+) -> dict[uuid.UUID, Decimal]:
+    """Return total holding value (in base_currency) keyed by account_id."""
+    result = await db.execute(
+        select(InvestmentHolding).where(
+            InvestmentHolding.user_id == user_id,
+            InvestmentHolding.quantity > 0,
+        )
+    )
+    holdings = result.scalars().all()
+
+    assets: dict[uuid.UUID, Asset] = {}
+    for h in holdings:
+        if h.asset_id not in assets:
+            asset = await _get_asset(db, h.asset_id)
+            if asset:
+                assets[h.asset_id] = asset
+
+    pairs_needed: set[tuple[str, str]] = set()
+    for h in holdings:
+        asset = assets.get(h.asset_id)
+        if not asset:
+            continue
+        if asset.currency != h.currency:
+            pairs_needed.add((asset.currency, h.currency))
+        if h.currency != base_currency:
+            pairs_needed.add((h.currency, base_currency))
+
+    fx_rates: dict[tuple[str, str], Decimal] = {}
+    for from_curr, to_curr in pairs_needed:
+        fx_rates[(from_curr, to_curr)] = await _fetch_fx_rate(db, from_curr, to_curr)
+
+    totals: dict[uuid.UUID, Decimal] = {}
+    for h in holdings:
+        asset = assets.get(h.asset_id)
+        if not asset:
+            continue
+        r = _holding_to_response(h, asset, fx_rates)
+        value = r.current_value if r.current_value is not None else r.cost_basis_total
+        to_base = fx_rates.get((h.currency, base_currency), Decimal("1")) if h.currency != base_currency else Decimal("1")
+        totals[h.account_id] = totals.get(h.account_id, Decimal("0")) + value * to_base
+    return totals
+
+
 async def get_holding(db: AsyncSession, user_id: uuid.UUID, holding_id: uuid.UUID) -> InvestmentHolding | None:
     result = await db.execute(
         select(InvestmentHolding).where(

backend/app/services/report_service.py

@@ -11,6 +11,7 @@ from app.db.models.budget import Budget
 from app.db.models.category import Category
 from app.db.models.net_worth_snapshot import NetWorthSnapshot
 from app.db.models.transaction import Transaction
+from app.services.investment_service import get_portfolio_value_by_account
 from app.core.security import decrypt_field
 from app.schemas.report import (
     BalanceSheetAccount,
@@ -35,7 +36,12 @@ from app.schemas.report import (
 LIABILITY_TYPES = {"credit_card", "loan", "mortgage"}
 
 
-async def _current_net_worth(db: AsyncSession, user_id: uuid.UUID) -> tuple[Decimal, Decimal]:
+INVESTMENT_ACCOUNT_TYPES = {"investment", "pension", "stocks_shares_isa", "crypto_wallet"}
+
+
+async def _current_net_worth(
+    db: AsyncSession, user_id: uuid.UUID, base_currency: str = "GBP"
+) -> tuple[Decimal, Decimal]:
     result = await db.execute(
         select(Account).where(
             Account.user_id == user_id,
@@ -45,10 +51,15 @@ async def _current_net_worth(db: AsyncSession, user_id: uuid.UUID) -> tuple[Deci
         )
     )
     accounts = result.scalars().all()
+
+    holding_values = await get_portfolio_value_by_account(db, user_id, base_currency)
+
     assets = Decimal("0")
     liabilities = Decimal("0")
     for acc in accounts:
         bal = acc.current_balance or Decimal("0")
+        if acc.type in INVESTMENT_ACCOUNT_TYPES:
+            bal += holding_values.get(acc.id, Decimal("0"))
         if acc.type in LIABILITY_TYPES:
             liabilities += bal
         else:
@@ -78,7 +89,7 @@ async def get_net_worth_report(
         for s in snapshots
     ]
 
-    assets, liabilities = await _current_net_worth(db, user_id)
+    assets, liabilities = await _current_net_worth(db, user_id, base_currency)
     current_nw = assets - liabilities
 
     change_30d = Decimal("0")
@@ -346,6 +357,7 @@ async def get_balance_sheet(
         )
     )
     accounts = result.scalars().all()
+    holding_values = await get_portfolio_value_by_account(db, user_id, base_currency)
 
     ASSET_GROUPS = [
         ("Cash & Current Accounts", ["checking", "cash"]),
@@ -373,6 +385,8 @@ async def get_balance_sheet(
             for a in members:
                 name = decrypt_field(bytes(a.name_enc)) if a.name_enc else "Account"
                 bal = abs(a.current_balance or Decimal("0"))
+                if a.type in INVESTMENT_ACCOUNT_TYPES:
+                    bal += holding_values.get(a.id, Decimal("0"))
                 acct_items.append(BalanceSheetAccount(
                     id=str(a.id),
                     name=name,
@@ -459,7 +473,7 @@ async def take_net_worth_snapshot(db: AsyncSession, user_id: uuid.UUID, base_cur
     if existing.scalar_one_or_none():
         return
 
-    assets, liabilities = await _current_net_worth(db, user_id)
+    assets, liabilities = await _current_net_worth(db, user_id, base_currency)
     snapshot = NetWorthSnapshot(
         id=uuid.uuid4(),
         user_id=user_id,

frontend/src/pages/accounts/AccountList.tsx

@@ -2,6 +2,7 @@ import { useState } from "react";
 import { Link } from "react-router-dom";
 import { useQuery, useMutation, useQueryClient } from "@tanstack/react-query";
 import { getAccounts, createAccount, updateAccount, deleteAccount, getNetWorth, type Account } from "@/api/accounts";
+import { getPortfolio } from "@/api/investments";
 import { formatCurrency } from "@/utils/currency";
 import { cn } from "@/utils/cn";
 import {
@@ -57,6 +58,17 @@ export default function AccountList() {
     queryFn: getNetWorth,
   });
 
+  const { data: portfolio } = useQuery({
+    queryKey: ["portfolio"],
+    queryFn: getPortfolio,
+  });
+
+  const holdingValueByAccount = (portfolio?.holdings ?? []).reduce<Record<string, number>>((acc, h) => {
+    const v = Number(h.current_value || h.cost_basis_total);
+    acc[h.account_id] = (acc[h.account_id] ?? 0) + v;
+    return acc;
+  }, {});
+
   const invalidate = () => {
     qc.invalidateQueries({ queryKey: ["accounts"] });
     qc.invalidateQueries({ queryKey: ["net-worth"] });
@@ -129,6 +141,7 @@ export default function AccountList() {
           accounts={assets}
           onEdit={setEditing}
           onDelete={id => deleteMutation.mutate(id)}
+          holdingValueByAccount={holdingValueByAccount}
         />
       )}
 
@@ -147,6 +160,7 @@ export default function AccountList() {
           accounts={inactive}
           onEdit={setEditing}
           onDelete={id => deleteMutation.mutate(id)}
+          holdingValueByAccount={holdingValueByAccount}
           muted
         />
       )}
@@ -179,17 +193,21 @@ export default function AccountList() {
   );
 }
 
+const INVESTMENT_TYPES = new Set(["investment", "pension", "stocks_shares_isa", "crypto_wallet"]);
+
 function AccountGroup({
   title,
   accounts,
   onEdit,
   onDelete,
+  holdingValueByAccount = {},
   muted = false,
 }: {
   title: string;
   accounts: Account[];
   onEdit: (a: Account) => void;
   onDelete: (id: string) => void;
+  holdingValueByAccount?: Record<string, number>;
   muted?: boolean;
 }) {
   return (
@@ -243,14 +261,31 @@ function AccountGroup({
                 </div>
 
                 <div className="text-right shrink-0">
-                  <p className={cn("font-semibold tabular-nums", isLiability ? "text-destructive" : "text-foreground")}>
+                  {(() => {
-                    {formatCurrency(account.current_balance, account.currency)}
+                    const holdingVal = INVESTMENT_TYPES.has(account.type) ? (holdingValueByAccount[account.id] ?? 0) : 0;
-                  </p>
+                    const cashBal = Number(account.current_balance);
-                  {account.credit_limit != null && (
+                    const total = cashBal + holdingVal;
-                    <p className="text-xs text-muted-foreground">
+                    return (
-                      limit {formatCurrency(account.credit_limit, account.currency)}
+                      <>
-                    </p>
+                        <p className={cn("font-semibold tabular-nums", isLiability ? "text-destructive" : "text-foreground")}>
-                  )}
+                          {formatCurrency(holdingVal > 0 ? total : cashBal, account.currency)}
+                        </p>
+                        {holdingVal > 0 && cashBal !== 0 && (
+                          <p className="text-xs text-muted-foreground">
+                            {formatCurrency(cashBal, account.currency)} cash + {formatCurrency(holdingVal, account.currency)} holdings
+                          </p>
+                        )}
+                        {holdingVal > 0 && cashBal === 0 && (
+                          <p className="text-xs text-muted-foreground">holdings value</p>
+                        )}
+                        {account.credit_limit != null && (
+                          <p className="text-xs text-muted-foreground">
+                            limit {formatCurrency(account.credit_limit, account.currency)}
+                          </p>
+                        )}
+                      </>
+                    );
+                  })()}
                 </div>
 
                 <div className="flex items-center gap-1 opacity-100 sm:opacity-0 sm:group-hover:opacity-100 transition-opacity shrink-0">

frontend/src/pages/investments/AddHoldingModal.tsx

@@ -1,6 +1,7 @@
 import { useState, useEffect } from "react";
 import { X, Search, Loader2 } from "lucide-react";
 import { searchAssets, createHolding, addInvestmentTransaction, AssetSearchResult } from "@/api/investments";
+import { createTransaction } from "@/api/transactions";
 import { useUiStore } from "@/store/uiStore";
 import { format } from "date-fns";
 
@@ -28,6 +29,7 @@ export default function AddHoldingModal({ accounts, onClose, onSuccess }: Props)
   );
 
   const [priceMode, setPriceMode] = useState<"per_share" | "total">("per_share");
+  const [recordCash, setRecordCash] = useState(false);
   const [form, setForm] = useState({
     account_id: investAccounts[0]?.id ?? "",
     quantity: "",
@@ -76,6 +78,18 @@ export default function AddHoldingModal({ accounts, onClose, onSuccess }: Props)
         currency: form.currency,
         date: form.date,
       });
+      if (recordCash) {
+        const totalSpent = qty * price + (parseFloat(form.fees) || 0);
+        await createTransaction({
+          account_id: form.account_id,
+          type: "investment",
+          amount: -totalSpent,
+          currency: form.currency,
+          date: form.date,
+          description: `Buy ${selected.symbol} × ${qty}`,
+          status: "cleared",
+        });
+      }
       onSuccess();
     } catch (e: any) {
       const detail = e?.response?.data?.detail;
@@ -237,6 +251,25 @@ export default function AddHoldingModal({ accounts, onClose, onSuccess }: Props)
             />
           </div>
 
+          {/* Cash purchase toggle */}
+          <label className="flex items-start gap-3 cursor-pointer select-none p-3 rounded-lg border border-border hover:bg-secondary/40 transition-colors">
+            <div className="relative mt-0.5 shrink-0">
+              <input
+                type="checkbox"
+                checked={recordCash}
+                onChange={(e) => setRecordCash(e.target.checked)}
+                className="sr-only"
+              />
+              <div className={`w-9 h-5 rounded-full transition-colors ${recordCash ? "bg-primary" : "bg-secondary border border-input"}`}>
+                <div className={`w-3.5 h-3.5 rounded-full bg-white shadow transition-transform mt-0.5 ${recordCash ? "translate-x-4.5 ml-0.5" : "translate-x-0.5 ml-0.5"}`} />
+              </div>
+            </div>
+            <div>
+              <p className="text-sm font-medium">Debit account for this purchase</p>
+              <p className="text-xs text-muted-foreground mt-0.5">Records a matching withdrawal from the account. Enable this if you transferred cash to this account first and want to track the balance accurately.</p>
+            </div>
+          </label>
+
           {error && <p className="text-destructive text-sm bg-destructive/10 rounded-md px-3 py-2">{error}</p>}
 
           <div className="flex gap-3 pt-1">