Freedom251 › Portfolio Management Software
Wealthfolio
What Wealthfolio is
Wealthfolio is a local-first, open-source investment tracker and personal finance app. It tracks holdings, performance, allocation, and income, and imports CSV statements from brokers or banks. Users can also follow net worth across properties, vehicles, collectibles, precious metals, cash, and liabilities. Planning tools cover goals, savings projections, retirement and FIRE simulations, rebalancing, and contribution-limit tracking. The built-in AI assistant can answer portfolio questions, import transactions, and suggest asset classifications and spending categories; users can provide an API key or use local models. Wealthfolio Connect offers read-only broker connections through SnapTrade and lists support for 42+ institutions. The app says it does not receive broker logins, and encryption keys remain on the user’s device. The free core includes desktop and self-hosted use, manual accounts and transactions, and CSV imports. Basic costs $2.99 a month and includes device sync for one person and up to six devices, but no broker connections. Essentials and Duo add institution connections; Plus is marked as coming soon.
Who it suits
Wealthfolio suits people who want to track investments and broader net worth, with planning tools for savings, retirement, or rebalancing. Its free core can fit users who prefer manual accounts and CSV imports.
What it does well
- Tracks investments, income, allocation, and broader net worth.
- Planning tools include retirement and FIRE simulations.
- Free core includes manual accounts and CSV imports.
- Broker connections are read-only.
- Connect encrypts data on the device before syncing.
What to know first
- Basic costs $2.99 a month.
- Basic does not include broker connections.
- Plus is marked as coming soon.
- Self-hosting documentation directs users to Discord and GitHub Issues for help.
Limits
The free core includes manual accounts and transactions plus CSV imports. Basic costs $2.99 a month and includes device sync but no broker connections; Essentials starts at $7.99 a month and includes up to five institution connections and automatic brokerage sync.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Basic | Billed monthly; $29 billed yearly · 1 person · Up to 6 devices · Device sync · No broker connections | $2.99 a month |
| Essentials | Billed monthly; $79 billed yearly · 1 person · Up to 5 institution connections · Automatic brokerage sync · Bring Your Own Key AI | $7.99 a month |
| Duo | Billed monthly; $129 billed yearly · 2 people · Up to 12 institution connections · Shared household view · Bring Your Own Key AI | $12.99 a month |
| Plus | Billed monthly; $249 billed yearly · Coming soon · Personalized portfolio briefs · Holdings news and events · Licensed market intelligence · AI assistant without API key | $24.99 a month |
| Wealthfolio core | Free forever · Desktop and self-hosted core · Manual accounts and transactions · CSV imports | Free |
As wealthfolio.ai lists them, read 1 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Wealthfolio website.
- Choose the free desktop or self-hosted core, or select a paid plan.
- Create manual accounts and transactions, or import broker or bank CSV statements.
- For automatic brokerage sync, choose Essentials or Duo and connect an institution.
- Use an API key or local models with the AI assistant.
Verdict
Wealthfolio combines investment tracking with net-worth and planning tools, with a free core and paid connection options. Check which plan includes the broker connections and household features you need.
Questions
Is Wealthfolio free?
Yes. Wealthfolio core is free forever for desktop and self-hosted use, with manual accounts, transactions and CSV imports.
What do paid plans cost?
Basic is $2.99 a month, Essentials is $7.99 a month, and Duo is $12.99 a month. Each also has a listed yearly price: $29, $79 and $129, respectively.
Which platforms does it support?
The listed platforms are iOS, Linux, macOS, self-hosted, web and Windows. The free core is described as desktop and self-hosted.
Is Wealthfolio open source?
Yes. Wealthfolio is open source, and its self-hosting documentation points to the AGPL-3.0 source repository.
Does it connect to brokers?
Wealthfolio Connect offers read-only connections through SnapTrade and supports 42+ institutions. Basic has no broker connections; Essentials and Duo include institution connections and automatic brokerage sync.
How does Wealthfolio handle financial data?
The app stores financial data locally in an SQLite database. Connect encrypts data on the device before syncing, and Wealthfolio says encryption keys never leave users’ devices.
Facts from Wealthfolio's own pages
- Add-ons
- Wealthfolio supports TypeScript/React add-ons through a sandboxed runtime and permission-based security model. · wealthfolio.ai, 1 Oct 2026
- AI assistant
- The built-in AI assistant answers portfolio questions, imports transactions and suggests asset classifications and spending categories; users can bring an API key or use local models. · wealthfolio.ai, 1 Oct 2026
- Allocation analysis
- Yes · wealthfolio.ai, 20 Sept 2026
- Asset class coverage
- multi_asset_alternatives · wealthfolio.ai, 20 Sept 2026
- Broker integrations
- Wealthfolio Connect uses SnapTrade, a SOC 2 Type II certified aggregator, and supports 42+ institutions listed on its brokerage directory. · wealthfolio.ai, 1 Oct 2026
- Connection access
- Broker connections are read-only and Wealthfolio says it never receives broker logins. · wealthfolio.ai, 1 Oct 2026
- Data storage
- The app stores financial data locally in an SQLite database, while Connect does not store transactions, holdings, balances or portfolio history. · wealthfolio.ai, 1 Oct 2026
- Encryption
- Connect encrypts data on the device before syncing, and encryption keys never leave users' devices. · wealthfolio.ai, 1 Oct 2026
- Free plan
- Yes · wealthfolio.ai, 20 Sept 2026
- Investment tracking
- It tracks holdings, performance, allocation and income and imports CSV statements from brokers or banks. · wealthfolio.ai, 1 Oct 2026
- Net worth
- It tracks properties, vehicles, collectibles, precious metals, cash and liabilities over time. · wealthfolio.ai, 1 Oct 2026
- Performance reporting
- Yes · wealthfolio.ai, 20 Sept 2026
- Planning
- Its planning tools include goals, save-up projections, retirement and FIRE simulations, rebalancing and contribution-limit tracking. · wealthfolio.ai, 1 Oct 2026
- Purpose
- Wealthfolio is a local-first, open-source investment tracker and personal finance app. · wealthfolio.ai, 1 Oct 2026
- Risk analysis
- Yes · wealthfolio.ai, 20 Sept 2026
- Paid from
- 2.99 · wealthfolio.ai, 20 Sept 2026
- Support
- Self-hosting documentation directs users to Discord, GitHub Issues and the AGPL-3.0 source repository for help and source access. · wealthfolio.ai, 1 Oct 2026
- Tax-lot tracking
- Yes · wealthfolio.ai, 20 Sept 2026
- Telemetry
- The app says it makes external calls only to market-data providers and the updater, with no analytics or telemetry. · wealthfolio.ai, 1 Oct 2026
Where Wealthfolio stands on Freedom251
- Portfolio Management Software#9 of 81
- Investment Tools#7 of 17