Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker

> 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).

I went through this rabbit hole. I liked Mint (I know it wasn't private, but I liked it), I tried Personal Capital / Empower because I had a retirement account with them, I tried Monarch. But none of them had the one killer feature I needed — my wife and I both have individual accounts and we also have a joint account for household expenses. I want to track all of those separately.

The I found Tiller[0]. I've been really happy with it so far.

It basically syncs your transactions to a Google sheet you own. It comes with some basic things like budget and auto categorization based on fuzzy string matching, but because it's Google sheets you can play with it and do whatever you want with it.

But the nice thing is that you can dictate which accounts go into which sheet. So I have two sheets — one for household accounts and one for personal. And I don't need a separate subscription, which would have been required if I used any other service I had looked at. I can't remember exactly how much the subscription was, but I don't remember it being unfair.

[0] https://tiller.com/

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.

Have you considered https://tiller.com/ ? They can pull feeds in and refresh automatically but have a big privacy play so that only you get to see your finances (and display and manage it in Excel or Google Sheets).

I manage all of my finances with Beancount (https://github.com/beancount/beancount). It has a native document store and I primarily use it to archive all of my statements to share with my accountants via Fava (https://github.com/beancount/fava). It’s not pretty, but it’s all in one (local) git repo.

Language models are great at turning those statements into Beancount postings and fixing errors, but the local ones not so much yet.

self hosted ActualBudget and SimpleFin for fetching data automatically works great for me so far. You can also setup multiple instances and tune them separately if you like.

This is one where I don't quite get the angle of hosting locally to preserve privacy.

By nature of the economic system, you must interact with 3rd parties, unless you somehow live a life where you can manage to be all crypto or (increasingly harder) cash based. At that point, there is no real benefit to privacy outside of ensuring that whatever institution(s) you work with aren't doing anything odd.

I'm open to missing something here.

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> 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.

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 :)

There's also Actual Budget (https://actualbudget.com) which you can self-host.

Few more to consider:

https://www.monarch.com/

https://useorigin.com/

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.

[1] https://www.gnucash.org/

Will shamelessly promote ours as well: https://www.fulfilledwealth.co/

We're entering the same market but with a tilt towards investment & actionable guidance. Same read-only capabilities on the account sync side (although our budgeting + spending side is still heavily in development) except we're an RIA that can provide professional advise (for free).

Not mentioned yet in this subthread, but worth checking out because it runs fully local: https://play.google.com/store/apps/details?id=com.stoegerit....

It's not perfect, for example its monthly/yearly subscription detection didn't work great for me, but compared to all those apps that involve trusting a third party with your banking data it's worth a look.

Adding https://github.com/firefly-iii/firefly-iii

beancount + the web ui for it, fava, is what I end up going back to whenever I look for the sort of tools. Downside is I'm way behind on my ledger and don't _really_ want to spend the effort inputting everything to catch up.

I am a big fan of lunchmoney, built a TUI for it with their API too.

https://github.com/Rshep3087/lunchtui

For germans I found https://parqet.com/ very good.

Generous free tier and auto sync from some common german banks

Which do you like for what purpose ?

Also seems like Empower (not listed) is the big one

http://github.com/venil7/assets

You missed https://tiller.com which uses the same financial connectors as others but dumps the data into a Google/Office365 spreadsheet that you control.

Typo fix: ynab.com

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.

> 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...

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.

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.

UI polish and this has a nice lander with a better sell than a Github readmw

I didn't see your previous post, but my feedback would be that your readme doesn't really list all the features? It has some screenshots, but maybe a short list of major features/what you can do with it would be helpful for people just driving by to look at it?

I don't think you need a fancy landing page for every oss project, but I have no way of telling what is different about your project without actually trying it out.

I am going to add it to my watch list on GitHub as it looks interesting. However, as the other post said, it needs an elevator pitch and do not be afraid to include more pictures.

I have a hard time finding the features of the program from the repository alone. For me personally, I do not have time to do a deep dive into the code (or even the api spec) of potentially interesting software to figure out what is going on. Especially in your case where it seems to use a pure functional approach in typescript, which creates additional overhead :) Best of luck with the project.

No landing page, UI seems bland?

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.

SimpleFIN is a layer on top of MX that you can pay $15/yr for.

It's still MX under the hood though so it's maybe not quite as satisfying of a solution? I agree I wish we had better consistent APIs between financial institutions for data access in the US.

This is the 'problem' I need solved as well. Sync across multiple Financial institutions is a nightmare. If the CSV import can be automated with some Plaid/simplefin bridge that's reliable, I think it would be a nobrainer for a large group of us to selfhost instead.

Yeah, it seems at certain points I need to add automatic syncing. The app already offers a way to extend things using plugins https://wealthfolio.app/addons.

Automated transaction download is the killer feature. Unfortunately it depends on banks providing a way to do it.

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.

I agree, generally. But there is always a bit of a nuance when it comes to personal finance. I have gone through the full cycle, I started off with logging every single transaction, then syncing everything and tracking monthly cash flow, investment dashboards and then to yearly syncs and now I barely think about it.

What happened was I slowly built an awareness of how things are going, where my spending and savings are and internalised a few things. For example, as a contractor I responsible for my taxes, so 30% of my invoice goes into a savings account as soon as I get paid. But, that wouldn’t have happened right away for me, if I have never done the monthly cash flow.

I think everyone goes through this journey. Because I often see people super into accounting for a couple of years and then completely abandon it later in life. Looking at it daily in early stages help get a feel and set expectations for the long term. Some people get sidetracked here and the phrase “Beat the market” grates on me for that reason.

I do a similar thing on the investment side. I did play with this app to see if it would give me anything that my spreadsheet doesn’t, but I’m not really seeing it

On the spending/budgeting side, I could see the use of day-to-day tracking. I import my credit card transactions into gnucash weekly - if I didn’t already have a good workflow set up I could see the use of something like this to help keep on top of things.

That's kind of just a brag about being wealthy though, isn't it? For many people who are trying to get escape velocity to being financially secure, tracking spending + investments is a necessary reality.

No one is saying it's healthy but if you have debt, can't save or don't have investments on track to meet your future needs then what's more unhealthy, monitoring or lower living standards?

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.

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.

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.

1. https://finance-quote.sourceforge.net/

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.

Agreed, they should at least support Plaid to get your account information and pull it in locally.

Unfortunately ETRADE for example does not make exporting all transaction easy. Last time I looked at their API it involved manually authing via a http flow signing into your ETRADE account to get a temporary token that expires. Not exactly a flow that can be used for long polling account activity.

I haven't researched much on Robinhood or Coinbase but I suspect they have much better APIs. That's an idea where a plugin system would be awesome, something like Plaid but for brokerages and Crypto exchanges only.

Hey, going to shamelessly plug here. We do portfolio guidance as an RIA: https://www.fulfilledwealth.co/

Free to try. Shoot us an email if you want a demo.

Issue was only with add account, so continuing to try to onboard myself.

Is there more detailed documentation available? A few troubles I've run into:

- Having trouble with stock splits -- Schwab simply reports the added shares, not the split ratio, so I can't do it via csv import

- Separate but probably related, if I add some shares back in 2022 (e.g. SWPPX, a SP500 index), the "performance" shows essentially immediate -90% return. I suspect this is also related to splits; possibly Yahoo finance retroactively applies the future split quantity on historic quotes. Edit: figured this out, I'm responsible for entering any splits across the history, it seems

- How do you designate the counter-account for transfer-in / transfer-out transactions?

- Schwab does some funny business with date strings occasionally ("03/16/2022 as of 03/15/2022"); not your problem per se, but interpreting either presented date would be better than quietly defaulting to 1970

- In the activities tab, I can only reverse date order in list view, but not grid view

- As a wishlist item.. default csv import settings for major brokerages would be great, considering this is in principle how you're expecting users to repeatedly interact with the software

- Maybe I'm missing it, but is there a simple way to see the list of accounts you've created? This would seem like a very basic feature. Edit: okay, I see them in dashboard, but can't add them there. Would seem like an appropriate nav column entry.

I don't mind dumping in a few csv every month to update, but having to manually fix my csvs before upload adds a lot of effort.

Yes actually you can just click the edit icon near the account balance in account page to update the cash balance

Haha, I'm a big user and fan of Wealthsimple :) I created the app initially to have a unique experience for all my other accounts in other banks. I took inspiration from other fintechs as well.

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.

https://snaptrade.com/. (disclaimer: I'm one of the cofounders)

We're developer oriented, free to get started, and investment focused.

Right now the app supports three market data providers: Yahoo Finance, AlphaVantage, and MarketDataApp. If your ticker is on one of those, it updates automatically. If not, you’ll have to switch it to manual tracking and update or import prices yourself.

Nope! Just shipped the self-hosted web app in Docker. No SSO yet.

I actually wrote a manifest about it :) https://wealthfolio.app/blog/wealthfolio-manifesto/

First thing I thought of is, "I love how this is open-source and the add-on model reminds me of Obsidian". Thank you for all your hard work.

Flexoki is a bless. Thank you for making it available

Thanks, happy to keep it open source. The community has been very helpful.

You setup , accounts, goals, limits and everything in settings. Then use activity to add your transactions

Is SimpleFIN basically the same as something like Plaid? I thought it was maybe an open source thing, but it looks like you still need to sync your bank accounts to their system first?

You can click on the holding, go the Quotes table and add a date, close price