Wealthfolio is a private, open-source investment and personal finance app that runs locally on your devices. It combines portfolio tracking, net worth and spending views, and retirement and FIRE simulations in one local-first app, free without an account, with an optional Connect subscription for automatic imports and encrypted sync.[1][2]
Quick verdict
Wealthfolio is a private, open-source, local-first investment and personal finance tracker for desktop, mobile, and Docker self-hosting. Its free core covers portfolio performance, net worth, spending, goals, and FIRE planning with data on your devices; an optional Connect subscription adds automatic brokerage imports and encrypted sync. Closest catalogue alternative is the self-hostable Ghostfolio.[1][2]
Capabilities
Tracks holdings, performance, asset allocation, and dividend and interest income across multiple accounts and asset types, with true time-weighted and money-weighted returns and benchmark comparison against the S and P 500 or any ETF.[1][2]
Manages trading activity with manual accounts and CSV statement imports from any broker or bank, plus allocation targets with drift visibility and a concrete rebalance plan.[1][2]
Plans ahead with net worth tracking across assets and liabilities, spending analysis with auto-categorization and budgets, savings goals with a milestone glide path, IRA, 401(k), and TFSA contribution-room tracking, and a year-by-year retirement simulator with a Monte Carlo risk lab and FIRE mode.[1]
Good fit
Individual investors who want their portfolio, net worth, and spending history on their own devices instead of inside a cloud aggregator account.[1][2]
Privacy-minded households planning savings goals and retirement with FIRE simulations while keeping manual control over every transaction.[1][2]
Open-source adopters who value inspectable AGPL-3.0 code and the option to self-host with Docker rather than depend on a vendor cloud.[1]
Stays attractive long-term through its free-forever local core and inspectable AGPL-3.0 codebase: investments, net worth, spending, goals, and retirement planning work without a subscription, with Connect addable later only if automatic imports or encrypted sync become worth paying for.[1][2]
Limitations
Automatic brokerage imports are not part of the free app: hands-free syncing across 30+ institutions requires the paid Wealthfolio Connect subscription, so fully manual users should expect ongoing CSV import effort.[1][2]
On the pages observed, no public developer API, single sign-on, support plan, or SLA is documented, so teams needing programmatic access or enterprise assurances will find gaps.[1]
Desktop and iOS are the supported clients with Docker self-hosting; there is no vendor-hosted web edition, so users who want zero-install browser access without running anything themselves are not served.[1][2]
Community
Public launch presence is evidenced by the Hacker News discussion and Product Hunt launch badges linked directly from the repository README, alongside community channels (Discord, Twitter) listed there.
1 cited community source. Launch-time sample only; thread contents were not independently read in this pass, so no sentiment or satisfaction claims are made. No Reddit or G2 testimonials were collected, and the testimonials array is intentionally empty.
Compatibility
Runs natively on macOS, Windows, and Linux desktops, on iOS, and self-hosted via Docker, with a TypeScript, Vite, and Tauri stack and a local on-device database.[1][2]
Ingests data through manual accounts and CSV statement imports from anywhere, with optional automatic read-only brokerage syncing and encrypted multi-device sync via the Connect subscription.[1]
Closest catalogue alternative is Ghostfolio, a published self-hostable open-source wealth-management tool for tracking stocks, ETFs, and cryptocurrencies with managed hosting plans. Choose Ghostfolio for a web-based self-hosted tracker with managed hosting; choose Wealthfolio for local-first desktop and mobile apps with built-in spending, goals, and FIRE planning.[1][2]
Questions worth asking
Is Wealthfolio really free?
Yes. The core app is free by default: manual accounts, CSV imports, investment tracking, net worth, spending, goals, and retirement planning cost nothing and never require an account. Wealthfolio Connect is an optional paid subscription covering automatic brokerage imports, encrypted multi-device sync, and household sharing.[1][2]
Where does my financial data live?
Which platforms does Wealthfolio run on?
How do brokerage imports work?
Two paths exist. Manual tracking with CSV statement imports from any broker or bank is free forever. Automatic read-only imports from more than 30 institutions require the optional Wealthfolio Connect subscription, which also funds the brokerage-data connection costs.[1]
Sources and editorial review
Source research. Reviewed on October 13, 2026. Written by Sanjib Sah. AI assisted; reviewed by a human editor.
We have not run or tested this product.
Public launch presence is evidenced by the Hacker News discussion and Product Hunt launch badges linked directly from the repository README, alongside community channels (Discord, Twitter) listed there. Launch-time sample only; thread contents were not independently read in this pass, so no sentiment or satisfaction claims are made. No Reddit or G2 testimonials were collected, and the testimonials array is intentionally empty.
- Wealthfolio official homepage
official · Observed October 13, 2026
Primary identity anchor and feature source: headline positioning, full feature catalogue, platform form factors, privacy model, and Connect subscription details.
- wealthfolio/wealthfolio repository README
official · Observed October 13, 2026
Canonical repository evidence: product description, local-first architecture, download and self-hosting links, free-versus-Connect model, launch badges, and community and sponsorship channels.
- wealthfolio/wealthfolio LICENSE
official · Observed October 13, 2026
License evidence: records the AGPL version 3 license text present in the repository. Carries no OSI-approval claim.
- ghostfolio/ghostfolio repository README
official · Observed October 13, 2026
Incumbent evidence for the relationship edge: Ghostfolio's self-hostable open-source tracking of stocks, ETFs, and crypto with managed-hosting plans.
- Wealthfolio Product Hunt launch listing
community · Observed October 13, 2026
Community launch presence linked from the repository README badge. Page contents were not independently read in this pass; cited only as evidence that a public launch thread exists, not for sentiment or satisfaction claims.
Compared with these products
No explicit proprietary baseline is recorded.