[HN Gopher] Show HN: Wealthfolio 2.0- Open source investment tra...
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Show HN: Wealthfolio 2.0- Open source investment tracker. Now
Mobile and Docker
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.
Author : a-fadil
Score : 631 points
Date : 2025-11-21 16:34 UTC (1 days ago)
(HTM) web link (wealthfolio.app)
(TXT) w3m dump (wealthfolio.app)
| denysvitali wrote:
| Looks very polished, I'll try it out!
|
| Best of luck, and thank you for keeping it open source (:
| a-fadil wrote:
| Thanks, happy to keep it open source. The community has been
| very helpful.
| ckdarby wrote:
| Looks heavily inspired by Wealthsimple
| a-fadil wrote:
| 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.
| barbazoo wrote:
| Does that mean if one's investments are mostly with
| Wealthsimple that it'll be easy to set up?
|
| How do the integrations work, is it all file (csv) based or
| is there direct access as well?
| jedc wrote:
| from the docs:
|
| "Wealthfolio does not currently support integration with
| online brokers or aggregators. Data must be imported from
| CSV files or by manually entering transactions."
| barbazoo wrote:
| So data has to be imported since the start then I'm
| assuming, like a complete ledger? Otherwise how would we
| know the complete list and the value of the investments
| over time. Won't that get out of sync with the ground
| truth (what's in the account) over time?
| a-fadil wrote:
| You can also start from one snapshot of your current
| holdings and just add transactions as you go to build the
| timeline.
| a-fadil wrote:
| For now, it's CSV and manual editing using the UI. I'm
| looking to have direct integration with major brokers when
| possible to avoid third-party aggregators and managing
| users' data/credentials (or at least have the option to).
| theogravity wrote:
| Really interested in how you do this. When I as looking
| into building my own finance-related app, you have to pay
| a ton to get market data (stocks, crypto, ETFs, options)
| and connecting bank accounts if it's not for individual
| use (you still have to pay for individual use, but not
| significantly as much).
| willio58 wrote:
| This would be amazing, though I realize it's not
| straightforward and not easy to do. I have so many
| accounts across different companies that this connection
| piece is basically a requirement for me to use your app
| on a regular basis. I'm sure that applies to a lot of
| people, and I'm sure you already know that. I appreciate
| the focus on building the tool first and then getting
| that connection stuff working later.
|
| I just want to also commend you on the UI/UX here, it
| looks and feels really solid.
| GoatOfAplomb wrote:
| 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.
| embedding-shape wrote:
| > 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 wrote:
| 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 wrote:
| 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 wrote:
| 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
| purple_turtle wrote:
| Giving access to the same info to more people is reducing
| privacy.
|
| I prefer to not give to even more people.
|
| In the same way as my doctor knowns some private health info
| but to keep it private I would prefer to not give it to my
| employer.
| a-fadil wrote:
| 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 wrote:
| I'll certainly give this another look if you do. Good luck
| with it.
| amrawad wrote:
| Hey
|
| Happy to help build an integration with [Lunch
| Flow](https://lunchflow.app), which aggregates multiple open
| banking providers for global coverage behind a single API.
| iancarroll wrote:
| It's great that you have coverage across multiple
| countries. I've noticed most budget apps cannot handle
| multiple currencies at all, much less automated sync across
| multiple countries.
| amrawad wrote:
| that's indeed the idea! it started with me finding out
| that I'm missing on a lot of great personal finance apps
| because bank sync is mostly catered towards the US, and
| mostly use a single provider, so wanted to change that :)
| throw0101c wrote:
| > _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).
| DarmokJalad1701 wrote:
| ActualBudget is a pretty great YNAB alternative that is free
| and locally hosted.
| Semaphor wrote:
| I second that. Switched from ynab4 (used some version since
| 2011) to Actual Budget a few month ago. Some tiny ux
| issues, but improvement in many more areas. Don't regret
| finally kicking ynab out.
| Terr_ wrote:
| Odd, earlier this week I was cleaning up some ooooold
| VMs/docker stuff and came across something I was using to
| try out actualbudget, so it's an interesting coincidence
| hearing it mentioned again today.
|
| IIRC I was pretty impressed with it back then. It looks
| like there are more non-direct install options now.
| (Flatpack, appimage, etc.)
| polalavik wrote:
| 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.
| adastra22 wrote:
| Have you tried financier?
|
| https://financier.io/
| Klonoar wrote:
| 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.
| a-fadil wrote:
| It's more about having the optionality to not be tied to a
| SaaS provider and trusting them with all your financial data
| and bank credentials. Having options to:
|
| 1- Install a piece of software and run it locally, no
| subscription, no cloud 2- Have to right to use a nicer app
| instead of a spreadsheet 3- not hand over your banking creds.
| Some banks will void your account insurance if you do 4-
| Reduce your exposure by not putting all your financial data
| on some startup's servers.
| dmoy wrote:
| It's also maybe more useful in the US where we're behind
| the times w.r.t. better APIs for accessing banking &
| investment data
| nirvdrum wrote:
| Actual Budget uses SimpleFIN [1] in the US. The
| integration is pretty good. The big alternative is Plaid
| and I don't trust them at all. It's a shame we don't have
| a standard for electronic banking yet.
|
| [1] -- https://beta-bridge.simplefin.org/
| mrbombastic wrote:
| There is also teller.io i tried them for a side project
| and were pretty good, but I didn't go to far
| cortesoft wrote:
| Well, one of the benefits is that it won't go away.
|
| I used Mint for years, and I LOVED it. Hooked it up to all my
| accounts, it could track purchases and spending and kept
| everything up to date automatically. It would remember how I
| categorized things.
|
| Of course, then Intuit decided to get rid of it and force
| everyone to move to Credit Karma, which doesn't do the same
| things AT ALL. I don't care about tracking my credit scores,
| and I pay off all my credit cards every month, I don't need
| help finding a loan for anything. The only thing it does is
| try to offer me loans and credit cards. It doesn't have any
| transaction history, so it doesn't do the one thing I care
| about.
|
| The decade+ of transaction history I had in Mint was just
| GONE. It really sucked, and I have not found a replacement
| yet.
|
| I don't mind if it is hosted, or even if I have to pay for
| it, but I would like to be able to keep my historical data,
| and for it to automatically populate from my accounts, and
| not go away if a company decides it can't make money from it
| anymore.
| kcrwfrd_ wrote:
| I love the transaction history in YNAB. I refer to it all
| the time.
| workworkwork71 wrote:
| Did you find a suitable replacement? What do you use now?
| I'm interested to hear how big of an sticking point this
| still is with this a verbose range of options now.
| duskdozer wrote:
| different poster of course, but actualbudget (free
| selfhost) + simplefin (paid api for transactions) has
| been really good. faster and more features than the
| commercial options had. simplefin can also be used for
| your own local projects
| Klonoar wrote:
| This is, as far as I can tell, the only real applicable
| reason to run a self hosted tracker like this that anybody
| has put forward. Kudos.
| danielheath wrote:
| Trusting some random VC-backed SAAS not to sell my data is
| (to me) as mad as trusting that the tide won't come in - it
| would be astonishing if they _didn't_ sell my data.
|
| My bank has both commercial & cultural reasons not to sell my
| ID & transaction history. They might still do it anyways, but
| it's at least plausible that they wouldn't, if only due to
| the harm to their reputation if it ends up in the papers.
| bix6 wrote:
| You mean your bank that shares your info with its marketing
| partners unless you explicitly opt out, that bank?
| delichon wrote:
| My threat model is one well placed technical employee who
| knows a buyer that will pay fuck you money. Judas can work
| at any organization and frequently does.
| workworkwork71 wrote:
| I'm a founder in this space (Fulfilled - posted above).
| Here's the reality: You're right that incentives matter.
| But selling your data would be idiotic for us, same reason
| it would be for your bank in that trust is the entire
| business model.
|
| If we want to monetize insights from aggregated data, we'd
| do it in-house and offer you better products. Example: Why
| sell your mortgage readiness data to some broker when we
| could source competitive mortgage offers and present them
| directly to you? Keep you in our ecosystem, add value to
| your experience, and build a revenue stream that doesn't
| destroy the core product.
|
| The wealth space is crowded. Companies that burn user trust
| get exposed fast and die faster. The only sustainable path
| is treating your data like it belongs to you and not us.
| Any company here who doesn't get that is building on
| quicksand and I'd be very surprised to hear any of the
| larger players engaging in those practices but maybe I'm
| naive.
|
| Either way, it's why we're a Fiduciary and that blankets
| the entire product suite.
| technofiend wrote:
| "...Selling your data would be idiotic...same reason it
| would be for your bank [to sell your data] in that trust
| is the entire business model." I'm afraid that ship has
| sailed and taken your data with it.
|
| https://www.cnbc.com/2025/11/14/jpmorgan-chase-fintech-
| fees....
| workworkwork71 wrote:
| I really don't think you read this article beyond the
| headline because that's not what it's about or
| implying...literally in the slightest.
|
| That article is about JPMorgan being able to charge Plaid
| or other providers for the middleman access. They used to
| be operating almost for free, now Plaid has to pay for
| access the same way companies like mine pay Plaid.
| technofiend wrote:
| So you don't think Plaid sells customer data? And by
| extension charging for customer data requests by Plaid
| and other aggregators isn't in fact charging for it?
|
| Plaid does in fact sell your data, but they ask for
| permission first. So does JPMC, for that matter:
| https://media.chase.com/news/chase-launches-chase-media-
| solu...
| workworkwork71 wrote:
| So you didn't read the article and now you're just
| throwing out statements without validation? Great, if
| JPMorgan is selling your data then that's their decision
| and that's beyond the scope of this convo. We work with
| partners (Plaid, Snaptrade) who explicitly state that
| they DO NOT sell user data, and we maintain the same
| principles:
|
| https://plaid.com/safety/
|
| Here is the quote if you're too lazy to read this one
| too:
|
| Does Plaid sell my financial data for advertising or
| marketing purposes?
|
| No, we do not sell your financial data to third parties
| for marketing or advertising purposes.
|
| Plaid only shares your data to power the services and
| products that you choose or to protect you and the Plaid
| network from fraud.
|
| Plaid was founded on the principle that you have a right
| to your financial information and we are focused on
| providing products that allow you to safely and
| conveniently access your data and harness the power of
| Plaid's secure financial network.
|
| As Plaid develops more products and services, you may ask
| Plaid to share your information in ways that benefit you
| and that you control.
| purple_turtle wrote:
| Some banks at least are selling customer data.
| jstummbillig wrote:
| > it would be astonishing if they _didn't_ sell my data.
|
| Sell the data to whom?
| juliusceasar wrote:
| Financial data is the most valuable data there is. Such a
| naive question.
| AmbroseBierce wrote:
| Yeah I was taken a back as well, "sell gold? To whom??"
| To the people buying gold, is not reasonable to have to
| pinpoint who exactly that might be given there is not
| shortage.
| jstummbillig wrote:
| That is because of both of your biases (which is
| understandable) and me, not specifying why I am asking.
|
| "it would be astonishing if they _didn't_ sell my data."
|
| If the "who" was answered with "... to Kim Jong Un,
| glorious leader of the DPRK" you might raise a brow. That
| is probably not what they meant.
|
| Maybe the author meant "... to the legal buyer of the new
| company, as part of the content of the company"? Maybe
| they meant "... to anyone willing to pay a price, legally
| or illegally"?
|
| I wondered what scenario the author had in mind. It's a
| reasonable question. To me, the implications are quite
| different. You might of course disagree.
| ndriscoll wrote:
| Obviously to anyone willing to pay a price. Have you ever
| looked at those cookie banners? "In order to give you the
| best experience, we share your data with our 759
| partners..."
| swores wrote:
| I'm not sure why you read their question as being either
| surprised or disbelieving?
|
| I've worked in marketing enough to know that all sorts of
| less-interesting data gets bought and sold, yet alone
| financial data, but even if limiting the context to "for
| marketing purposes" I wouldn't know, and would be
| interested in being told, which companies actually are
| buying that sort of financial information.
|
| And as the user has now explained in a comment further
| down the thread, they weren't limiting their curiosity to
| just marketing profiling so there's an even wider scope
| to their question.
|
| But hey, easier to just call them naive than to give them
| the benefit of the doubt and engage constructively.
| Klonoar wrote:
| I trust that the VC-Backed SaaS will be beholden to not
| wanting to get cut off from the bank(s), meaning not
| selling that data. If they sell aggregate anonymized
| transaction data, I'm also not sure I give a shit.
|
| At a certain point paranoia gives way to practicality.
| duskdozer wrote:
| It's just the mindset. The "oh well 'they' already have all
| my data anyway" mindset leads to more and more individual
| steps of giving up privacy even if you could do something
| about it.
|
| It _might_ not protect any more data, but not attempting is a
| guarantee that it won 't.
| purple_turtle wrote:
| Giving access to the same info to more people is reducing
| privacy.
|
| I prefer to not give to even more people.
| whyleyc wrote:
| 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).
| grvdrm wrote:
| Do you use it? Curious for your thoughts. Right now I have
| CoPilot. Apps are ok, not great.
|
| https://copilot.money/
| GoatOfAplomb wrote:
| Thanks for the tip. I'll definitely look into it.
| doctorhandshake wrote:
| Big +1 for Tiller after trying several other options
| including YNAB. Your data in a spreadsheet - go nuts, use our
| templates, make your own, etc.
| conradev wrote:
| 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.
| bob_theslob646 wrote:
| >A double-entry bookkeeping computer language that lets you
| define financial transaction records in a text file, read
| them in memory, generate a variety of reports from them, and
| provides a web interface.
|
| Why would someone need this? How do you use this?
| zephyreon wrote:
| It's actually pretty great if you're type a about keeping
| your finances in check.
|
| Check out https://plaintextaccounting.org/
| NoboruWataya wrote:
| It's just a way of keeping track of your finances. If you
| just have a single bank account and nothing else, then it
| probably doesn't give you much. But if your assets and
| liabilities are spread across multiple bank accounts,
| brokerage accounts, credit cards, loans, P2P/angel
| investing platforms, etc, then it can be a good way to get
| a holistic overview of your finances in one place and can
| help with things like tax returns.
|
| (I don't use beancount but I use GnuCash which is a very
| similar concept.)
| conradev wrote:
| I use it primarily to categorize spending to know things
| like "how much money did I spend on electronics doodads in
| the last year".
|
| The double-entry part is a fanciness for checking that all
| money in (paychecks) equals all money out (spending,
| taxes). You can selectively disable it by "padding"
| balances.
|
| I have it on for my checking account and it catches
| duplicate postings for transfers between my Venmo and my
| checking account. I can also put the initial/final balances
| from the bank statements as "guards" to verify that it all
| adds up.
|
| This sort of structure is really helpful for a human or
| language model. You can break the translation work down
| into subunits with fast correctness checks.
| abustamam wrote:
| 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/
| ekhaliul wrote:
| 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.
| l9o wrote:
| 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 wrote:
| 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.
| darkwater wrote:
| I'm a noob on this: does it work as well with funds from all over
| the world? How does it track them?
| a-fadil wrote:
| 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.
| danielhep wrote:
| I have all my self hosted services set up with authentication
| through SSO now. Does this support that?
| a-fadil wrote:
| Nope! Just shipped the self-hosted web app in Docker. No SSO
| yet.
| hadlock wrote:
| For whatever reason, it really bothers me when people call
| containers Dockers in 2025
| jryio wrote:
| 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
| sahaskatta wrote:
| Few more to consider:
|
| https://www.monarch.com/
|
| https://useorigin.com/
| camel_Snake wrote:
| I use monarch and I've been happy enough with it. Would
| probably consider self-hosting with actual in the future, but
| I wanted an easy on-ramp for myself to actually get in the
| habit of budgeting.
| adverst wrote:
| I use monarch, I don't think it is very good as an
| 'investment tracker' (what wealthfolio claims to be). It's
| fantastic as a more general personal finance/budget tracker.
|
| For example - I have to reclassify loads of transactions for
| it to track close to correctly. Say treasuries - purchase at
| a discount, then at maturity redeem for full amount. You can
| enter them as buy/sell, but then it wont properly report to
| cashflow, or give you a good classification as to what type
| of income that was.
|
| Similar with stocks and short term/long term. It means that
| even though all the info is there it's not as useful as I'd
| like for showing total income broken out as types of income
| to help with tax planning etc.
|
| I still use it so the annoyances are not too extreme, but if
| there were a tool that did a better job of the investment
| side I'd switch.
|
| Looking at the wealthfolio features I'm not sure it handles
| any of that any better though, but it does seem to break out
| dividend/interest income.
| GoatOfAplomb wrote:
| Typo fix: ynab.com
| jryio wrote:
| Fixed thanks!
| joshstrange wrote:
| 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.
| Ronnie76er wrote:
| Someone else mentioned this up the thread. I am a huge fan
| of YNAB too, but I just gave Actual Budget a try and I'm
| hooked. Some things are better and some things worse than
| YNAB, but it's open source and self-hosted. I'd recommend
| either.
| CGMthrowaway wrote:
| Which do you like for what purpose ?
|
| Also seems like Empower (not listed) is the big one
| j1elo wrote:
| 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 :)
| workworkwork71 wrote:
| A lot of it is going to be needs & vibes based. Some of them
| have more in-depth and niche features in certain areas, like
| transaction splitting or categorization and others are just
| simple and clean UI to go for ease of use.
| dmoy wrote:
| I will use hledger if I'm handling someone else's money, like
| as a trustee. Double entry accounting is nice for being
| precise about things. But for my own accounts it's too much
| overhead to deal with reconciliation. Don't have time for
| that.
| darkest_ruby wrote:
| http://github.com/venil7/assets
| TNorthover wrote:
| 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.
| darkest_ruby wrote:
| HN is for self promotion
| tkfoss wrote:
| > Please don't use HN primarily for promotion. It's ok to
| post your own stuff part of the time, but the primary use
| of the site should be for curiosity.
|
| https://news.ycombinator.com/newsguidelines.html
| lvncelot wrote:
| Adding https://github.com/firefly-iii/firefly-iii
| mNovak wrote:
| 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/
| gempir wrote:
| For germans I found https://parqet.com/ very good.
|
| Generous free tier and auto sync from some common german banks
| workworkwork71 wrote:
| 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).
| PhilippGille wrote:
| 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.
| johntash wrote:
| 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 wrote:
| I am a big fan of lunchmoney, built a TUI for it with their API
| too.
|
| https://github.com/Rshep3087/lunchtui
| eclipticplane wrote:
| 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.
| mwambua wrote:
| There's also Actual Budget (https://actualbudget.com) which you
| can self-host.
| throw0101c wrote:
| > _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.
| kepano wrote:
| I love that it uses Flexoki for the color palette. I never
| thought I'd see it so widely adopted!
| a-fadil wrote:
| Flexoki is a bless. Thank you for making it available
| honeybadger91 wrote:
| 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.
| mNovak wrote:
| 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!)
| mNovak wrote:
| 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.
| ihaveone wrote:
| I'd be looking for a plugin that tracks the transactions of US
| senators. That would be highly useful...
| jewel wrote:
| Here's a philosophical question. Does anyone account for
| inflation when looking at their long term history? I've been
| thinking of looking at everything in 2019 dollars.
|
| It might also be useful to adjust for inflation going backwards,
| e.g. everything shows in 2025 dollars.
| paxys wrote:
| > 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.
| reactordev wrote:
| Agreed, they should at least support Plaid to get your account
| information and pull it in locally.
| a-fadil wrote:
| Would you actually pay for that as add-on? Plaid isn't free.
| paxys wrote:
| 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 wrote:
| i would happily pay. i already pay for monarch.
| codegeek wrote:
| I would just add the option to add your own Plaid key or do
| manual imports.
| reactordev wrote:
| No, the ability to import is table stakes for me. I'm not
| manually entering transactions or trades. Simply providing
| an API key for me and vibe coding a client to pull is all
| that's needed.
| bradleyjg wrote:
| 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 wrote:
| 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.
| ioblomov wrote:
| This doesn't appear to be documented...
|
| https://www.google.com/search?q=site%3Awealthfolio.app+map+
| p...
|
| Would be happy to contribute profiles.
| ryandrake wrote:
| 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 wrote:
| 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.
| ryandrake wrote:
| Yea, (2) is always the tough one. Looking at my Quicken,
| I have 28 active accounts that I regularly (like daily)
| update from online, and manually finding, downloading,
| importing, and reconciling 28 CSVs is just not going to
| be acceptable.
|
| That said, I'll check out Beancount!
| BrenBarn wrote:
| My understanding is that part of the problem is that many
| banks do not provide that kind of "direct connect"
| functionality anymore. Some used to provide OFX but no
| longer do. Also, financial regulations aimed at "open
| banking" (like PSD2) bizarrely seem oriented towards
| enabling middlemen like Plaid. They don't require anything
| like "each individual customer must be allowed to access
| their individual data by using an API however they want";
| it all has to go through a "third-party provider".
|
| So the holy grail is really "Banks must be required to
| provide all customer info in a machine-readable format, via
| a programmable API, directly to their customers." :-)
| workworkwork71 wrote:
| You're correct here. The banks have limited who they are
| allowing into their systems more and more right now. We
| wanted to build direct partnerships with trading
| institutions to leverage their brokerages but they'd tell
| us to speak with their whitelisted partners like Plaid or
| a new (YC backed) incumbent, Snaptrade.
| qiine wrote:
| > _bizarrely_ yeah...
| deanputney wrote:
| 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 wrote:
| 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.
| offmycloud wrote:
| 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/
| nodesocket wrote:
| 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.
| retep_kram wrote:
| I would love if it also included tracking/aggregation for regular
| accounts, not just investing. With spending categorisation, for
| example.
| dang wrote:
| Related:
|
| _Show HN: Wealthfolio: Private, open-source investment tracker_
| - https://news.ycombinator.com/item?id=41465735 - Sept 2024 (263
| comments)
| tristor wrote:
| 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.
| a-fadil wrote:
| You can click on the holding, go the Quotes table and add a
| date, close price
| blackhaj7 wrote:
| Awesome. I have been meaning to give this a try so this is a
| great nudge.
|
| Given the permissions you expose, it looks like it is possible to
| write a plugin to get account activities from something like
| Plaid so I don't need to keep importing - am I understanding
| correctly?
| kaspermarstal wrote:
| Ooooh, graphs that goes up! I want that.
|
| Looks really cool, great job.
| aerhardt wrote:
| 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.
| tma wrote:
| https://snaptrade.com/. (disclaimer: I'm one of the cofounders)
|
| We're developer oriented, free to get started, and investment
| focused.
| workworkwork71 wrote:
| I'm one of your customers, love the product!
| darkest_ruby wrote:
| 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
| noeltock wrote:
| No landing page, UI seems bland?
| andrewchen2004 wrote:
| UI polish and this has a nice lander with a better sell than a
| Github readmw
| tormeh wrote:
| 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 wrote:
| > 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.
| dangus wrote:
| Making a landing page is generally free. Pick a static site
| generator, template, toss it on netlify for free, and you
| can be done in ~30 minutes.
|
| I don't think you need to have a financial notification to
| make a nice webpage for your project that you are proud of.
| ninininino wrote:
| 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.
| fifteencrctrs wrote:
| > Copyright (c) 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...
| InexSquirrel wrote:
| 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.
| kevinqi wrote:
| +1, very polite way of saying it. of course there's a
| difference between the two posts. open source is interesting
| but not enough with a financial app, since it's all about
| trust + usefulness.
|
| landing page needs to look good and communicate the value
| prop super effectively. If it doesn't look good you'll lose
| people's interest in about 2 seconds.
| yard2010 wrote:
| This is nice of you. I just want to say to the GP it's mostly
| random IMHO. Survivorship bias is hard. You hear about only
| what you hear about, not _all_ the great stuff. It 's a
| matter of big numbers, don't give up, play the long game.
| codegeek wrote:
| 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.
| brikym wrote:
| 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.
| johntash wrote:
| 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.
| zero0529 wrote:
| 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.
| Dilettante_ wrote:
| >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?
| niyazpk wrote:
| 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 wrote:
| I actually wrote a manifest about it :)
| https://wealthfolio.app/blog/wealthfolio-manifesto/
| skittleson wrote:
| There is a few problems with the site docs, the app image for
| linux (missing libs) and docker instructions. Otherwise its a
| great idea.
| ghm2199 wrote:
| 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.
| workworkwork71 wrote:
| 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.
| ghm2199 wrote:
| 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)
| notherhack wrote:
| 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 wrote:
| 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.
| sakopov wrote:
| 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.
| conqrr wrote:
| 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.
| skeeter2020 wrote:
| honest question: if you're using something like Plaid that
| means essentially "here's my admin credentials" are you
| really self hosting?
| conqrr wrote:
| It's still limited to just one party, that's heavily
| regulated for compliance. Not perfect, but a step better
| than exposing to apps that can have bigger surface area of
| exposure.
| a-fadil wrote:
| 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.
| bix6 wrote:
| Which plugin handles syncing?
|
| For me this is a core piece of any money app. If an app
| doesn't include syncing it's not worth it. I have too many
| moving pieces to deal with CSV exports.
| BrenBarn wrote:
| Automated transaction download is the killer feature.
| Unfortunately it depends on banks providing a way to do it.
| ewuhic wrote:
| Will this help me file german taxes?
| NoImmatureAdHom wrote:
| 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.
| johntash wrote:
| 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?
| DougN7 wrote:
| 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?!?
| dexterdog wrote:
| I want to use it, but the first bank I tried (wealthfront) only
| exports in qfx so that's a dealbreaker.
| cchance wrote:
| 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
| ChrisNorstrom wrote:
| I just came here to tell you how beautiful your color scheme is.
| It immediately reminds me of the color of the paper of money. The
| layout and color scheme look professional, trustworthy, tried and
| true, traditional yet modern. It's gorgeous!
| atbpaca wrote:
| This is awesome. Thank you for sharing and making it open-source!
| Hnrobert42 wrote:
| 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.
| a-fadil wrote:
| Yes actually you can just click the edit icon near the account
| balance in account page to update the cash balance
| netbioserror wrote:
| I greatly look forward to the day when the Godot team focuses on
| UI tools and workflow, a layout and theming engine, and slim UI-
| focused builds. So we can avoid this total nonsense local-server
| React-UI insanity. This is such a stupid way to build desktop
| applications.
| vladde wrote:
| is there any way to remove entries with the CSV import function?
|
| my bank includes transactions that are yet not final (preliminary
| transaction where currency conversion still isn't final). these
| rows change both in both the title and the amount, but i can do
| some guessing on how a row updates.
|
| however: when i import my transaction a couple days later again,
| i need to manually keep track and remove preliminary transactions
| (now removed from my bank's export).
|
| related: when i imported a CSV into YNAB, i would have to
| manually keep track of updated entries and remove those. with
| some code and state handling, i could figure out which rows no
| longer existed - but i couldn't remove them with the import
| function.
|
| i ended up abandoning YNAB's CSV import and use their API to
| remove transactions... but it would have been much simpler if the
| CSV import could just have removed certain rows from the get-go.
|
| (while i don't think this acts as a budget, it think others will
| run into similar issues as i have when it comes to importing CSV
| files)
| lateforwork wrote:
| It seems promising, but usability sucks. I can't figure out how
| to add anything. In the holdings screen there is no add button.
| In the income screen there is no add button. In the performance
| screen there is an Add account button. But pressing it opens a
| search accounts panel. WTF? I was able to add benchmarks, so I
| can at least see a chart. The chart animations are gratuitous...
| all it does is make you wait a bit. I the pressed the history
| icon. Turns out it is the activity screen, not history. Finally I
| found the Add activity screen. I press Add activity... but in the
| dialog requires an account and I don't know how to create an
| account. There are no more screens. At this point I gave up.
| a-fadil wrote:
| You setup , accounts, goals, limits and everything in settings.
| Then use activity to add your transactions
| dw_arthur wrote:
| I update a spreadsheet twice a year which takes about 15 minutes.
| Tracking investments day to day isn't healthy imo.
| tecoholic wrote:
| 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.
| workworkwork71 wrote:
| 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?
| dw_arthur wrote:
| I am only talking about investments. You'll stress yourself
| out and might make bad decisions if you frequently look at
| your stock portfolio. Tracking spending isn't a bad idea if
| you're trying to save or struggling to save.
| Yodel0914 wrote:
| 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.
| newman314 wrote:
| I currently use Banktivity which is OK. Would love to hear from
| any others that have used Banktivity and migrated to something
| else. Ideally, there should be OFX support.
| xvilka wrote:
| Would be nice to have integration with hledger, Ledger,
| beancount, and other PTA tools.
| sebmellen wrote:
| I see a lot of talk about alternatives, but no one has mentioned
| Quicken. What!? Quicken is the undisputed king of personal
| finance software!
|
| Wealthfolio looks very neat too.
| kinnth wrote:
| Yeah I need to mirror a few other comments. I would definitely
| give this a go, but I need plugins that connect automatically to
| my Broker. In my case IBKR, but the top brokers you would need
| Schwab, Fidelity, Trading212, Hood.
|
| Without that onboarding the tool becomes a headache and what I
| already have is good enough. YNAB is also a very good reference
| of where to go next in the budgeting sense. That has a real use
| case and also opportunity for solving many users needs.
|
| Good luck I can see it's a great piece of software, but as
| trading is my fulltime job I have far too many trades and without
| an auto-importer it wont work for me.
| matt3210 wrote:
| lol zero looks the same on all platforms
| pimterry wrote:
| 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?
| RagnarD wrote:
| The idea of privacy and wealth tracking is problematic. Other
| than a subset of crypto (and only a subset), all of the things
| being tracked are in some company's database(s), particularly any
| equity positions or cash accounts. There's nothing particularly
| private about that, really.
| fittingopposite wrote:
| Looks very polished. Nice work! When do you expect to release the
| Android version ?
| mwexler wrote:
| 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.
| dmoy wrote:
| 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.
| meonkeys wrote:
| This is awesome follow-through by @a-fadil / @afadil. Here's a
| similar post from a year ago:
| https://news.ycombinator.com/item?id=41465735
|
| In the space of local-first finance apps, I've really enjoyed
| Actual Budget (as have many, based on what I'm seeing in other
| comments). I'll check out Wealthfolio but like @dw_arthur I'm
| concerned about looking at investments too much / too often. I
| try to invest based on personal experience / value and always go
| long. I use off-budget accounts in Actual to track
| investments/illiquid value changes and update them every 6mo-1yr.
| I'm sure a spreadsheet would work fine for this as well. But for
| someone who moves investments more frequently, Wealthfolio looks
| awesome.
|
| For managing my life's data, this golden combination is always
| going to win: app that works well | full/local control of data |
| sane FOSS project governance | software license mitigates
| enshittification (e.g. AGPLv3)
| john-titor wrote:
| strange no one mentioned portfolio performance until now
| https://www.portfolio-performance.info/en/
|
| lots of features, has been around for some time
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