Wealthfolio
Free, open-source personal finance and investment tracker that keeps all your data on your own device — no account, no cloud, no subscription required.
🔗 Visit Wealthfolio
Description
Most portfolio-tracking apps ask you to hand over your bank and brokerage logins to a company's servers so it can show you a nice dashboard — which means your financial data lives on someone else's computer. Wealthfolio does the opposite: it's a private notebook for your money that runs on your own laptop, phone, or home server, tracking your investments, net worth, and spending without ever sending your data anywhere unless you explicitly choose to.
Wealthfolio is a fully open-source (AGPL-3.0) personal finance tracker built with Rust/Tauri for desktop and React/TypeScript for the web/mobile layer, storing everything locally in SQLite. It covers portfolio tracking across multiple accounts and asset types, net worth and spending analysis, retirement planning with Monte Carlo simulations, time-weighted and money-weighted return calculations with benchmark comparisons, multi-currency support, and contribution-limit tracking for accounts like IRAs, 401(k)s, and TFSAs. It runs on Windows, macOS 12+, Linux, iOS 16+, and as a self-hosted Docker container, with CSV import and an extensible TypeScript addon SDK. The optional "Wealthfolio Connect" subscription adds automated brokerage syncing across 30+ institutions (via SnapTrade) and encrypted multi-device sync — the core app remains fully functional and free without it.
💬 Our review
The short version: if you want to track your investments and net worth without a bank-style app harvesting your financial data, Wealthfolio is free, open source, and genuinely private by default — the only thing you pay for is convenience.
Its closest comparison is Ghostfolio, another open-source portfolio tracker; Wealthfolio distinguishes itself with a native desktop app (Tauri/Rust rather than a browser-only experience), a more polished retirement-planning module with Monte Carlo simulations, and real mobile support (iOS). Against mainstream consumer tools like Mint or Empower/Personal Capital, the trade-off is exactly what you'd expect from a local-first tool: no automatic bank-wide account aggregation unless you pay for Wealthfolio Connect, and you're responsible for your own backups since there's no company cloud holding a copy. For privacy-conscious investors and the self-hosting crowd, that trade is an easy yes; if you want one-tap connections to every account you own with zero setup, a cloud-native competitor will feel more convenient, at the cost of your data living on their servers.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Application cœur 100% gratuite, sans compte requis. 'Wealthfolio Connect' (abonnement optionnel) ajoute la synchronisation automatique de 30+ courtiers et la sync chiffrée multi-appareils.
Pros
100% gratuit et open source (AGPL-3.0), sans compte requis
Toutes les données restent en local (SQLite) — confidentialité par défaut
Multi-plateforme : Windows/macOS/Linux, iOS, Docker auto-hébergé
Planification retraite avec simulations Monte Carlo, rendements pondérés dans le temps et par les flux
Système d'addons extensible via SDK TypeScript
Cons
Pas de synchronisation bancaire automatique gratuite (nécessite l'abonnement Connect)
Pas d'app Android native (juste web/Docker)
Sauvegardes à la charge de l'utilisateur, aucune copie cloud par défaut
Versions minimales d'OS requises (macOS 12+, iOS 16+)