Wealthfolio
Open-source, local-first portfolio tracker with time-weighted and money-weighted returns, rebalancing and an optional paid broker sync.
Wealthfolio is an open-source, local-first tracker that runs on your own device and keeps your data there by default. It computes both time-weighted and money-weighted returns, compares them against the S&P 500 or any ETF, shows allocation drift with a rebalance plan, and projects a savings or FIRE plan year by year. An AI assistant can read your real portfolio, but you bring your own API key or run a local model. Automatic broker sync exists as a paid subscription called Connect; everything else is free.
Features at a glance
| Feature | Wealthfolio |
|---|---|
| Pricing | Freemium |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Yes |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Yes |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Not supported |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Yes |
| AI asset & market analysis. AI commentary on individual holdings and market context, not just the whole portfolio. | Partial |
| Portfolio health score. A single score rating diversification, concentration and other portfolio-health signals. | Partial |
| Rebalancing & drift. Shows how far your allocation has drifted from target and how to correct it. | Yes |
| Goal & time-to-goal | Yes |
| Custom groupings / tags. Group holdings by your own dimensions (e.g. strategy, theme), not just asset class. | Yes |
| Return method (TWR/MWR). True time-weighted (TWR) and money-weighted (MWR/XIRR) return — not just a simple % change. | Yes |
| Benchmark & alpha. Compare returns against a benchmark, including alpha. | Yes |
| Backtesting & scenarios. Test a portfolio against historical data or run scenario simulations. | Partial |
| Access & pricing | |
| Free tier | Yes |
| No account linking required. Works without connecting a bank login or aggregator. | Yes |
| Open source | Yes |
| Self-hostable | Yes |
| Public API | Partial |
| Platform & reach | |
| Mobile app | Yes |
| Multi-language | Yes |
| Community & extras | |
| Public / social portfolios. Share your portfolio publicly and follow other investors. | Not supported |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
Investors who want a serious analytics engine without giving up ownership of their data, and who are comfortable installing software or running a container.
Strengths
- Both time-weighted and money-weighted returns, plus benchmark comparison against any ETF
- Open source under AGPL-3.0 and genuinely self-hostable with a Docker web-server mode
- Local-first by default — the AI assistant runs on your key or a local model
- Rebalancing with drift bands, goal milestones and a FIRE simulation
Trade-offs
- No dividend or income forecast
- No tax-report generation — tax is recorded per transaction only
- Automatic broker sync sits behind a paid subscription
- Self-hosting and desktop installation demand more setup than a hosted web app
Wealthfolio vs PortfolioGlance
This is the closest open-source rival we have, and it beats us on openness: it is AGPL-3.0, self-hostable, and offers broker sync we do not. We match it on time-weighted and money-weighted returns, benchmarking, rebalancing and goal projection, and we add a portfolio health score, an AI portfolio review and a dividend picture — with nothing to install and no container to maintain. Choose Wealthfolio if owning the stack matters more to you than owning none of it.
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This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.