Wealthfolio

Wealthfolio is a private, open-source investing and personal finance app that runs locally on all your devices. It lets you track holdings, performance, allocation and income across your accounts, follow your net worth, understand your spending, and plan for goals and retirement. The product is aimed at people who want to grow their wealth while keeping control of their financial data, and its core app works without an account or a subscription. Wealthfolio is available on desktop, iPhone and iPad, and can also be self-hosted so you can access it through a web browser on infrastructure you control. The project describes itself as a beautiful, private and open-source investing and personal finance app that runs locally. The problem Wealthfolio addresses is the trade-off many people face between useful financial software and control over sensitive data. Traditional money apps typically require an account and keep financial history in a cloud platform, which means your financial history becomes dependent on another service. Wealthfolio takes the opposite approach: it runs locally, works without an account, and keeps your financial history under your control. The project is also open source, so the code can be inspected, contributed to and run on infrastructure you choose, and users are not forced to create an account or commit to a subscription before they can start. In the investments area, Wealthfolio brings all your brokers and banks into one view. You can track holdings, performance, allocation and income across your accounts, and import CSV statements from anywhere, which means data from a brokerage or bank that is not automatically supported can still be brought into the app. Portfolio Insights help you understand your asset allocation, sector exposure and geographic distribution, so you can see how your money is spread rather than just what it is worth. A Performance Dashboard lets you compare accounts and benchmark against the S&P 500 or any ETF. Allocation Targets & Rebalance let you set target weights, see your drift and get a clear rebalance plan, while Income Tracking follows dividends and interest income across your entire portfolio. Net Worth Tracking pulls all your assets and liabilities together so you can see your complete financial picture over time, rather than looking at individual accounts in isolation. The Spending & Budgets area tracks cash flow, auto-categorizes transactions and helps you build budgets that fit you. Together these tools let you follow both sides of your finances: what you own and what you owe, and where your money is going month to month. Planning tools cover both long-term retirement and shorter-term goals. The Retirement & FIRE Planner provides a year-by-year simulation with a Monte Carlo Risk Lab and a dedicated FIRE mode, so you can model how a plan might evolve under different conditions rather than relying on a single projection. The Goals & Save-Up Planner projects savings to a target with a milestone glide path and an on-track status, which makes it easier to see whether you are moving toward a specific purchase or savings milestone. Contribution Limits help you stay on top of IRA, 401(k) and TFSA contribution room, so you do not lose track of how much you have already contributed or how much room remains. Architecturally, Wealthfolio keeps a local database on your device where accounts, transactions and history are stored. You can install it directly as a standalone application, or self-host it with a Docker deployment and access it through a browser. Wealthfolio Connect is not a third way to run the app; it is an optional paid service that adds automation and synchronization on top of a standalone or self-hosted setup. Connect automatically imports from your brokerages through aggregators such as SnapTrade and keeps your Wealthfolio database in sync across devices. The core app remains fully usable on its own, with manual accounts and transactions, CSV imports and local data ownership. The main benefit is keeping your financial life under your control. Because the app runs locally and works without an account, your financial history stays on your devices instead of becoming dependent on another cloud platform. Because it is open source, you can inspect the implementation, follow development, contribute through GitHub, or run the software on infrastructure you control. Flexibility is another outcome: you can start free with manual tracking and add automation only when manually maintaining your financial data no longer makes sense. Typical use cases include importing CSV statements from a broker or bank to consolidate holdings in one view; tracking net worth across assets and liabilities over time; tracking cash flow and building budgets with automatically categorized transactions; comparing accounts and benchmarking returns against the S&P 500 or an ETF; setting target allocation weights and following a rebalance plan; and projecting retirement or FIRE scenarios year by year. Users who want everything in one always-available place can self-host with Docker and reach Wealthfolio from a browser, and households that want shared finances can use Connect's household sharing. Wealthfolio is available as a standalone install for macOS, Windows, Linux, iPhone and iPad, and as a self-hosted instance reachable through a web browser. The Wealthfolio app is free and open source and does not require an account, while Wealthfolio Connect is an optional subscription for automatic brokerage imports, encrypted device sync, household sharing, background updates and connection management. The project can be extended through add-ons such as the Investment Fees Tracker, Goal Progress Tracker and Stock Trading Tracker, and through custom price feeds for assets and markets not covered by the default providers. Supported AI and agent integrations are available through an MCP server, and an AI Assistant lets you ask questions about your portfolio. In short, Wealthfolio combines investment tracking, net worth tracking, spending and budgeting, and retirement and goal planning in one app that stores your data locally. It is free and open source by default, works without an account, and can be extended with automation through the optional Connect service. For anyone who wants a complete picture of their finances without handing their financial history to another cloud platform, Wealthfolio's primary value proposition is simple: grow wealth, keep control.