Wealthfolio is a privacy-focused, open-source personal finance and investment tracking platform designed to run entirely on a user’s own device or self-hosted environment. It provides tools to track investments, monitor net worth, and analyze financial performance without relying on cloud-based SaaS infrastructure or requiring user accounts.

The platform follows a “local-first” architecture, meaning all financial data is stored and processed directly on the user’s device. This eliminates concerns around data sharing, third-party access, and vendor lock-in. Users can run Wealthfolio on desktop, mobile, or self-host it, with optional cloud-like features (via “Connect”) for syncing across devices and brokerage integrations.

Wealthfolio combines investment tracking and full net worth management into a single system. Users can import data via CSV from brokers or banks, track portfolio performance over time, and analyze metrics such as asset allocation, sector exposure, and geographic distribution. It also supports benchmarking against indices like the S&P 500 or ETFs to evaluate performance.

A notable addition is its built-in AI assistant, which helps users understand their portfolio, answer financial questions, and surface insights from their data. This transforms the tool from a passive tracker into a more interactive financial analysis system.

Beyond investments, Wealthfolio supports broader financial tracking, including assets, liabilities, income (dividends and interest), and financial goals. It also offers extensibility through add-ons such as fee tracking, goal progress monitoring, and trading analytics.

The platform is positioned as an alternative to cloud-based finance apps, focusing on privacy, ownership, and flexibility while still offering modern analytics and AI-powered insights.

Key features include:

• Local-first architecture with no required account or cloud dependency
• Investment portfolio tracking with performance analytics and benchmarking
• Full net worth tracking (assets, liabilities, and financial health)
• Built-in AI assistant for portfolio insights and queries
• CSV import for broker and bank data aggregation
• Income tracking (dividends, interest) and portfolio insights
• Optional “Connect” for brokerage sync and multi-device access
• Extensible system with add-ons (fees, goals, trading analytics)

Common use cases include:

• Tracking investment portfolios across multiple accounts
• Managing personal net worth
• Analyzing asset allocation and performance
• Maintaining privacy over financial data
• Gaining AI-assisted insights into financial decisions

Wealthfolio is developed by Teymz Inc. as an open-source project, with a strong emphasis on user data ownership, transparency, and local-first software principles.