Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker
89 comments
·November 21, 2025GoatOfAplomb
I love the idea of keeping my finances private while still having a useful tracker/planner. And I love that this would give me some protection against a new version making things worse. I also love the option to write my own plugin or to hack the source code itself (even though I probably wouldn't).
But I don't think I'm willing to give up fully automated data refreshes at this point. I have too many accounts to track.
throw0101c
> I love the idea of keeping my finances private while still having a useful tracker/planner.
YNAB4 was a local client, but with YNAB5 they sadly (to me) went online and subscription.
I happily paid for v4 (one-time purchase), but was/am not willing to pay for v5 because (a) I don't like renting software, and (b) I have no need for syncing (which a subscription could justify to pay for ongoing server costs).
polalavik
sort of different but I built https://paperright.xyz budgeting app to address some of my frustration with budgeting apps, bank connections, ease of use, privacy, etc. It doesn't connect to your bank or take any info other than your email (+stripe if you sign up for pro). I built it because i needed a budgeting app for my brain. Also research shows AI/automated financial management doesnt work you need to manually track things to really understand whats going on.
DarmokJalad1701
ActualBudget is a pretty great YNAB alternative that is free and locally hosted.
a-fadil
Yeah, makes sense. I’ll probably toss in an add-on or optional integration with an account aggregator later, so folks can either opt in or just stick with a local-only setup if they prefer.
GoatOfAplomb
I'll certainly give this another look if you do. Good luck with it.
embedding-shape
> I love the idea of keeping my finances private
I'd love that too, but I'm not sure it's even feasible or possible, at least in the EU country where I live. I, like most people (I think?) need to file taxes each year, and those include my new positions, or what positions have disappeared, including how much I have in savings. And, the only way for me to keep savings without losing money, is to keep it in a bank, so it's again not private.
Feels like "private finance" been dead for a long time, unless you start using cryptocurrencies specifically for privacy, like zcash, otherwise you'll be having non-private data at least somewhere.
ldoughty
What you describe sounds more like keeping your assets a secret... and if you feel defeated because the government can know, how do you feel about hiring an accountant? Or executing stock trades? You can't keep those activities a secret from those agents working for you. You would probably expect them to keep their privileged information about you _private_ though, right?
And I think that's what the parent post is talking about. Today's companies make you agree to 3 50-page documents which they can update at any time and your continued use after such silent updates constitutes consent.. and at some point they will sell your financial status/well-being to people for profit. So the more you feed them the more of your data that is being easily sold.
We ultimately probably can't stop that, but we can make it more difficult. Many apps like this would take your information and sell it.. having an option that lets you track your own finances without becoming a product is nice.
GoatOfAplomb
Right on. In this case, I used "private" to mean "the makers of this particular product don't have a ton of my financial information." I don't expect a product like this to prevent my government, or my brokerage, or my bank, or even a middleman account aggregator, from knowing about my money. But something like this can be one less thing, at least.
a-fadil
Also it’s more about having the optionality. There are tons of cloud-based and connected SaaS trackers out there, but very few local ones. Having options to:
– Install a piece of software and run it locally, no subscription, no cloud – Have to right to use a nicer app instead of a spreadsheet – not hand over your banking creds. Some banks will void your account insurance if you do – Reduce your exposure by not putting all your financial data on some startup’s servers
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darkest_ruby
Interesting that this made to HN top, last week i posted as about my open source wealth tracker http://github.com/venil7/assets with all the same features, including self hosting and it barely got any traction
InexSquirrel
So I don't want to be rude, and am saying this purely as feedback since you asked and I detect a bit frustation - the wealthfolio site linked in the post presents a lot better than your one linked in your github.
Nominally they appear to be very similar like you say (open source, locally hosted etc), but the presentation does make a big difference for at-a-glance engagement. The wealthfolio is just... very pleasant to look at. The site largely focuses on what the value to the reader is, versus 'how do I get it running'.
Just my thoughts. I know it's incredibly frustrating when you see a copy/version of something you've made, but it gets more attention. But honestly could also just be the mood of the day. There may just be nothing to read into here.
fifteencrctrs
> Copyright © 2025. All rights reserved.
> Source available for inspection and personal use only. Free to use non-commercially; commercial use reserved to the author. No warranty or liability. Contributions do not confer authorship or ownership rights.
Not super related, but have you considered getting a proper licence? Your project is not so much 'open source' as much as it is 'source-available'. Might be a good read: https://opensource.stackexchange.com/questions/9805/can-i-li...
brikym
It's marketing and empathising with your market. A github page doesn't give the impression of a polished product and doesn't inspire confidence. It looks more like a draft. When I go to your page the first thing I see is a list of code files but I don't care about that I want to know what it can do for _me_ and my finances.
codegeek
Sometimes, its just luck or timing. But I usually upvote open source projects with an actual website and not just a repo. Thats me of course. Also, the UI screenshots from your github didn't look that appealing. Hope this feedback is helpful.
andrewchen2004
UI polish and this has a nice lander with a better sell than a Github readmw
tormeh
Why does this app have a nice landing page? Who paid for that? Why? Nobody makes a landing page to wcratch their own itch. In some situations I'd rather have a readme.
thesh4d0w
> Nobody makes a landing page to wcratch their own itch.
Just because you don't, doesn't mean nobody else does. Lots of people have a design itch to scratch.
noeltock
No landing page, UI seems bland?
ninininino
I at least would absolutely invite you to share in this thread some of the differences between your offering and this one! I didn't see your post.
jryio
For those interested in this type of single entry accounting (and by extension double entry)
Here are some other ones I've tried and used in the past:
j1elo
But why one or the other? Don't get me wrong, I appreciate a curated list of suggestions, but it would really be useful to have some tips or comments on the experience of each one, their shortcomings or advantages. Otherwise, it's not much better than just checking out a list of names from Google :)
mNovak
I still use GNUcash [1]. Only drawback is comparatively poor handling of equities, with no good way to view historic portfolio value / net worth. Great for general purpose accounting though.
darkest_ruby
TNorthover
Which you appear to be the developer of from other comments in this thread. Not saying it's bad, but it's self-promotion rather than organic preference.
CGMthrowaway
Which do you like for what purpose ?
Also seems like Empower (not listed) is the big one
GoatOfAplomb
Typo fix: ynab.com
joshstrange
Clickable link: https://ynab.com
I'm a huge fan of You Need A Budget, it was instrumental in giving me control over my finances. It feels like a superpower to see all my money in one place and not care which bank account the dollars actually reside. Also makes it easier to take advantage of various offers (Credit card or things like HYSA) since I know all the records will live in YNAB and I have full control there, even if the individual banks I use have terrible UIs.
jryio
Fixed thanks!
ghm2199
Lets say my strategy from now is: 15% on an ex-US mid cap, 15% US Largecap, 15% ACWI growth, 15% Emerging market growth, 40% in short treasury fixed income. If I already have some ETFs already, can this be used to bucket and calculate what is the current state of the ETFs I hold against the strategy?
Can it do that for Mutual funds in like retirement accounts?
Context: I want to implement my own portfolio using some weights on a basket of ETFs. The ETFs are selected by country/geography(e.g. ex-US or US or world) and then type(small, mid, large) and then finally by income strategy(growth, value, fixed, defined outcome etc) based on expected returns.
notherhack
I gave the iOS app a spin. 1. It requires at least 2 characters to search for a symbol. What about Verizon (V) or AT&T (T)? 2. I entered a holding for a fund that doesn’t have public quotes by choosing not to look up the symbol and entering the price and purchase date, but then I couldn’t find a way to manually add price quotes for later dates to reflect the change in value.
a-fadil
You can search by company name. For manual pricing, click on an added manual holding, then there is a tab "Quotes" in the top right to view and edit the prices.
ghm2199
My hero usecase with these tools is to auto pull investments from Fidelity 401K account + Schwab brokerage + BYOBrokerage.
Then combine them and break them down by country/geography(e.g. ex-US or US or world) and then type(small, mid, large) and then finally by income strategy(growth, value, fixed, defined outcome etc)
l9o
this looks really polished, congrats! in your opinion, how does it compare with alternatives like actualbudget [0]? I've been using Quicken for a long time and might be in the market for a subscription-less alternative that is ideally self-hosted. Quicken has been running into lots of issues syncing some of my accounts lately (mostly duping assets).
brandonjcooper
I've used actualbudget for several years now after switching from Quicken. Actual is great for budgeting but my strategy has been to use a separate investment tracker to get a nice dashboard to look at. I haven't found one yet that handles account syncing seamless as I'd like... I've used Ghostfolio but I'm going to give this a try.
On a side note; SimpleFIN works well with actual, and the person that runs the bridge is great.
throw0101c
> Create a the contribution limit with an identifiable name (e.g. 2025 RRSP or 2025 Roth IRA), Year and set the contribution limit in base currency.
* https://wealthfolio.app/docs/guide/goals/
Neat: RRSPs are Canadian, so not necessarily US-only.
paxys
> Wealthfolio does not currently support integration with online brokers or aggregators. Data must be imported from CSV files or by manually entering transactions.
This is unfortunately going to be the deal breaker for wide adoption. Self hosting is great, but manually importing data from dozens of accounts every day and entering every single transaction as you make it is simply too much of a burden.
offmycloud
Would it be possible to write an addon to use Perl's Finance::Quote [1] like GnuCash does? It supports scraping many financial websites, as well as paid AlphaVantage quotes.
deanputney
One possible option might be to set up email ingestion. My brokerage will send a daily update, for example. It's not super detailed, but it's a start.
j1elo
Maybe the license structure could allow for proprietary extensions. I don't think there would be many people willing to put the work of writing many deep and good quality integrations with banks for free.
bradleyjg
If there was a sufficiently good import, something deeply customized for at least the top N banks, I think I’d be ok with that workflow. But even Quicken was disappointing on that front.
a-fadil
The app support mapping profiles. I hope we will have a profile for each major broker.
I'm also experimenting with local llm models to parse files and statement and call the app tools to feed data.
ryandrake
Quicken is getting even more and more disappointing.
Used to be, you'd use what Quicken calls "direct connect" where the client software itself connects to your bank's servers and pulls down your transactions and balances. They also had this "quicken connect" where the client software connects to Quicken servers, who, in turn, contact your bank--making Intuit an unwanted middleman. Slowly, but consistently, Quicken has been dropping "direct connect" support and coercing their users to go the middleman route.
I, too, have been looking for an alternative to Quicken, but: 1. I don't want to have to go to each bank's crappy web site and download a crappy CSV to import, and 2. I also don't want the software developer inserting itself into what should be a data transfer between me and my bank.
The Holy Grail personal finance software would 1. be free and open source, 2. download data directly from financial institutions without CSVs or a middleman and 3. store the data in an open format like sqlite that I can query and manipulate outside of the application.
GlibMonkeyDeath
If you can be a little flexible on (2), then Beancount hits most of the Holy Grail points. The ledger format is literally text (it is plain-text accounting after all) but there is a query language the works really well.
I end up saving CSV's locally and importing the transactions from there (no hand entry, but I still need the intermediate download step.) I don't find it that too burdensome since I don't have a zillion different accounts.
[This](https://reds-rants.netlify.app/personal-finance/the-five-min...) project (I am not affiliated in any way) claims to automate ledger update even further.
reactordev
Agreed, they should at least support Plaid to get your account information and pull it in locally.
a-fadil
Would you actually pay for that as add-on? Plaid isn’t free.
codegeek
I would just add the option to add your own Plaid key or do manual imports.
paxys
Self-hosted doesn't have to mean free. I think an option to enable syncing with your own Plaid key (that you manage and pay for yourself) would be great.
onelesd
i would happily pay. i already pay for monarch.
niyazpk
Nice features, and very professional website!
As others have mentioned, adding account integrations will make this much easier to use.
I would also love to hear more of your story, and motivations around this project.
a-fadil
I actually wrote a manifest about it :) https://wealthfolio.app/blog/wealthfolio-manifesto/
aerhardt
This looks great. I've thought about vibe-coding a similar app for a while but this might just do - I could save a ton of work.
Others have mentioned in the thread that the lack of account integration might be a problem.
Plaid has been mentioned as a potential service, are there other recommendations?
If I find time I could try to write a plugin over a few weekends.
Dilettante_
>Addons system
Does it do something like custom positions? Like if I wanted to wrap my polymarket positions into there, could I hack that together?
Does this support kinda-specific stuff like those german FinTs and EBICS?
Hi HN, creator of Wealthfolio here.
A year ago, I posted the first version. Since then, the app has matured significantly with two major updates:
1. Multi-platform Support: Now available on Mobile (iOS), Desktop (macOS, Windows, Linux), and as a Self-hosted Docker image. (Android coming soon).
2. Addons System: We added explicit support for extensions so you can hack around, vibe code your own integrations, and customize the app to fit your needs.
The core philosophy remains the same: Always private, transparent, and open source.