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

[a-fadil]

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.

[GoatOfAplomb]

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).

[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.

[conradev]

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.

[whyleyc]

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).

[abustamam]

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/

[Klonoar]

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.

[ekhaliul]

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.

[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.

[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:

https://copilot.money

https://lunchmoney.app

https://ynab.com

https://beancount.io

https://hledger.org

[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 :)

[sahaskatta]

Few more to consider:

https://www.monarch.com/

https://useorigin.com/

[workworkwork71]

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).

[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.

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

[PhilippGille]

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.

[mwambua]

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

[lvncelot]

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

[johntash]

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.

[RSHEPP]

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

https://github.com/Rshep3087/lunchtui

[CGMthrowaway]

Which do you like for what purpose ?

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

[gempir]

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

Generous free tier and auto sync from some common german banks

[darkest_ruby]

http://github.com/venil7/assets

[eclipticplane]

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.

[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

[sakopov]

This looks great and it's nice to see development in this space! However, the "big box" alternatives for this which keep your accounts in sync are really cheap (I think I renewed my annual Quicken Simplify for $40) and, for the most part, "just work." So, I personally wouldn't want to switch to anything self-hosted unless it provided automated syncing. I'd actually be all over this if it did especially having a way to extend things with plugins.

[mwexler]

I am actually quite frustrated with the state of "Open Banking" access in the US. No matter which tool I use across open source or just something I hack myself (or a spreadsheet), I still have no easy way to get to my banking and investment data. Plaid and other "aggregator/scrapers" are not designed for a single user. Tiller and Lunchapp seem OK, but now I have yet another party involved in the process.

Why is there not an aggregation service that literally lets me go directly to my financial institutions to pull down my data and put it into whatever I want? A Plaid, Finicity, Yodlee, MX for the user, not the mass-traffic developer?

I guess, like price engines and free hosting, the business model isn't there to support a thing that just helps folks.

[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).

[0] https://actualbudget.org/

[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.

[dw_arthur]

I update a spreadsheet twice a year which takes about 15 minutes. Tracking investments day to day isn't healthy imo.

[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.

[nodesocket]

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.

[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.

[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.

[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.

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

[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.

[reactordev]

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

[mNovak]

Looks really cool, very much appreciate making it free/select price.

Just downloaded it on Windows 10, but unfortunately the modals (add account etc) aren't scrollable and cutoff the bottom of my screen, making them pretty much unusable (can't submit!)

[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.

[Hnrobert42]

I downloaded the iOS app. I like the simplicity. I wonder if it could even be a bit simpler.

I currently do a quarterly financial review. I document the balances from all of my accounts.

In addition to buy/sell/deposit/withdrawl, could Wealthfolio have an option to just add a balance. I suppose In the meantime, I'll make do with deposits and withdrawals.

Last, could you make it a little easier to find to donate button? Or possible at all? Now that I have the app open, I can't find where to send a one time payment.

[NoImmatureAdHom]

Get thee to SimpleFIN https://www.simplefin.org/ecosystem.html

I think without sync with financial institutions it's going to be hard to grow a userbase.

But this is very cool software!

P.S.: I ctrl+f "encrypt" on your home page and no hits. It's banking / budget / money software, there should be a hit.

[tristor]

I liked the concept here, but tried it out and couldn't figure out how to add the very first thing successfully. I set up my employer's 401k as the first account, and went to add the first investment in the account, but it's a mutual fund not an ETF, which means I had to disable symbol lookup. I had a cost-basis, I had a current value, and I had a count of shares, but you only asked for an average cost-basis and count of shares. I had no way to update the current value. When starting out the first entry should have all three of these. I tried to figure out to update this, but the only value adjustment was via providing a spread (open/high), and I couldn't figure out how to use this to get it to an accurate value. Honestly, it would have been better to have cost basis tracking in a more advanced place and started with current value and count of shares, and then simply update current value on a time-basis.

[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)

[DougN7]

This is really cool and kind of what I'm looking for since trusting my account details to some app gives me heartburn. I downloaded the source and built it, but still have heartburn after seeing it download 700+ crates/packages. Who knows what is in all of that?!?

[xvilka]

Would be nice to have integration with hledger, Ledger, beancount, and other PTA tools.

[pimterry]

How does this compare to Ghostfolio? Seems like it's exactly the same space & Ghostfolio has an existing substantial user base. Why should I choose one or the other?

[cchance]

Love the idea, but really need some form of access to API's for the big brokerages and apps to be able to pull in data, doing stuff by hand ... na nice looking site/app tho

[ckdarby]

Looks heavily inspired by Wealthsimple