Wealthfolio

What it is

Wealthfolio keeps your portfolio in a SQLite file on your own machine: no account, no server, nothing uploaded by default. Rust and React in a Tauri shell, shipping as a desktop app, a native iOS build and a Docker image you can host and open in a browser. It tracks investments, net worth, liabilities, spending and dividends, reports time- and money-weighted returns, and runs retirement projections. Accounts are tracked either in transactions mode, which wants every trade and pays that back in cost basis and attribution, or holdings mode, which takes current positions and tracks value only.

Pricing

The app is free and stays free; the download page asks for a pay-what-you-want contribution and takes nothing if you decline. What costs money is Connect, the hosted bridge, priced on 13 September 2026 at $3.99/month for device sync alone, $7.99 for five institution connections and $12.99 for two people and twelve connections, with roughly 17% off yearly. A $24.99 Plus tier with licensed market data is listed as coming soon.

Data & coverage

Prices come from a provider you pick — Yahoo Finance by default, Alpha Vantage, Finnhub or MarketData.app with your own key, OpenFIGI and Börse Frankfurt for identifiers and German listings, or a custom HTTP provider you define with JSONPath, CSS selectors or a CSV column. Symbols are stored MIC-qualified, so non-US listings resolve properly. Quotes refresh when the app syncs and nothing streams; the docs publish no refresh interval, so treat valuations as delayed.

Asset types cover equities, ETFs and funds, crypto, bonds with coupon and maturity, option contracts, metals, and manually valued property, plus liabilities on the other side of the net-worth line.

Integrations

CSV import handles any broker that produces a statement. The MCP server is the unusual part: it is native rather than a community bridge, and serves agents the same typed tools the built-in AI assistant uses. Addons are TypeScript and React. Exports are CSV, JSON, or the whole SQLite database as a restorable backup.

Limitations

• Automatic broker sync is not in the free app at all. It is Connect, it goes through SnapTrade, it is read-only and once a day, and your credentials live in SnapTrade's portal. Local-first ends exactly where you want your broker filled in for you.
• No tax reporting. FIFO cost basis only — LIFO, weighted-average and specific identification are listed as planned — a realised-versus-unrealised breakdown on the performance page, and nothing shaped to any jurisdiction's rules.
• No price alerts, no news feed, no screening. It tracks what you own and stops there.
• No Android app; self-hosters fall back to a PWA with no Face ID and no background sync.
• Effectively a one-maintainer project despite 65 contributors, and around 400 issues are open.

Alternatives

Ghostfolio is the other AGPL tracker, browser-first and self-hosted rather than a desktop app; Portfolio Performance is a free Java desktop client, plainer and stronger on German tax. If broker connections and a fileable tax report matter more than where the data sits, the hosted products in this category are the trade to weigh.