Wealthfolio — Private Local-First Portfolio Tracker

Introduction

Wealthfolio is a local-first personal finance application built with Tauri and Rust. It tracks investment portfolios, calculates net worth over time, and analyzes spending patterns without ever sending your financial data to external servers.

What Wealthfolio Does

• Tracks stocks, ETFs, bonds, and crypto holdings across multiple accounts
• Calculates real-time portfolio performance with gain/loss metrics
• Visualizes net worth trends and asset allocation over time
• Imports transactions from CSV files exported by brokerages
• Runs Monte Carlo simulations for retirement and goal planning

Architecture Overview

Wealthfolio is a Tauri desktop application with a Rust backend and a React frontend. Financial data is stored locally in SQLite, and market data is fetched from free providers like Yahoo Finance. The Rust backend handles portfolio calculations, currency conversion, and performance analytics with minimal memory footprint.

Self-Hosting & Configuration

• Install pre-built binaries for macOS, Windows, or Linux
• No server or cloud account required; all data stays on disk
• Configure brokerage accounts and import transaction history via CSV
• Set base currency and configure market data refresh intervals
• Back up by copying the local SQLite database file

Key Features

• Fully offline operation with no cloud dependency
• Time-weighted and money-weighted return calculations
• Multi-currency support with automatic exchange rate conversion
• Dividend tracking and income projections
• Goal-based financial planning with simulation tools

Comparison with Similar Tools

• Ghostfolio — web-based and requires a server; Wealthfolio is desktop-native and serverless
• Portfolio Performance — Java desktop app with a steeper learning curve; Wealthfolio has a modern UI
• Maybe — web-first finance manager; Wealthfolio prioritizes local-first privacy
• Actual Budget — budgeting-focused; Wealthfolio specializes in investment portfolio tracking

FAQ

Q: Does Wealthfolio connect directly to my brokerage? A: Not currently. You import transactions via CSV exports from your brokerage.

Q: Where is my financial data stored? A: All data is stored in a local SQLite file on your machine. Nothing is sent to the cloud.

Q: Can I track cryptocurrency holdings? A: Yes, Wealthfolio supports crypto assets alongside traditional investments.

Q: Is Wealthfolio truly free? A: Yes, it is fully open source under the AGPL-3.0 license with no premium tier.

Sources

• https://github.com/wealthfolio/wealthfolio
• https://wealthfolio.app