Tool profile
Wealthfolio: cost, fit and limits
Wealthfolio is a local-first investment tracking app that records holdings, net worth, spending and retirement on the user's own devices, with an in-app assistant and an MCP server for outside AI clients. Source code is published openly.
What to know first
Wealthfolio is free to run and needs no account, either on a desktop or phone or self-hosted on a server. Paid Connect add-ons cover encrypted sync across devices, automatic brokerage imports and household sharing, priced in USD from $2.99 a month. The maker's company name is not stated on the page opened, and a Black Friday discount is advertised through 30 November.
Wealthfolio at a glance
| Maker | Wealthfolio (company name not stated on the opened page), Not stated on the vendor pages |
|---|---|
| Free plan | Yes |
| Entry price | Free app, Connect from $2.99 per month |
| API access | No |
| Category | Best AI Investment Portfolio Trackers in 2026, rank 2 of 11 |
| Website | wealthfolio.app |
Who Wealthfolio is best for
Privacy-first individual investors
The app keeps data on the user's devices and is described as private by default, so no hosted account holds your broker history unless you add Connect.
Home-lab users
Docker, Docker Compose, Unraid, Proxmox, Coolify and PikaPods are listed as hosting routes, so someone who already runs a home server can self-host in an afternoon.
People who work with their own AI keys
The assistant can use local models through Ollama or LM Studio, or an own API key for Anthropic, OpenAI or Google, which keeps the choice of provider with the user.
Wealthfolio plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Wealthfolio app | Free | Local tracking of investments, net worth, spending and retirement on desktop and mobile, or self-hosted on a server, with no account needed. |
| Connect | From $2.99 per month | Encrypted sync across devices and the paid add-on set; the page gives no full feature split between the tiers. |
| Connect brokerage imports | From $7.99 | Automatic broker imports, as listed on the page. The billing period was not stated beside this figure, so confirm monthly or annual before buying. |
| Connect household sharing | From $12.99 | Household sharing, as listed on the page, again with no billing period stated beside the figure. |
Checked November 2026.
What Wealthfolio does
- In-app assistant
- The assistant answers questions about performance, income and allocation inside the app. The user picks whether it runs on a local model or on a hosted provider through their own key.
- MCP server
- An MCP server lets Claude, ChatGPT or Cursor connect to the portfolio with access that can be revoked, and the user chooses what each provider may read.
- Self-hosting
- Docker, Unraid, Proxmox, Coolify and PikaPods are listed as deployment paths, so the same app can serve a household from a server instead of one laptop.
- Open source code
- Source code is published on GitHub, so a technical buyer can inspect how data is stored and what the assistant sends before trusting it with holdings.
- Broader net worth view
- Besides investments, the app tracks net worth, spending and retirement, which suits people who want one local ledger instead of several apps. That breadth suits one household ledger.
How Wealthfolio handles your data
The app is described as local-first, with financial data kept on the user's devices and private by default, or on a server you run yourself. For AI, the page says the user chooses which data each provider can access and can use local models or an own API key. Whether any data is used to train models, how long data is retained and what encryption protects the local app were not stated on the page opened, and no certifications are listed. Connect sync is described as encrypted, without naming a standard.
Where Wealthfolio falls short in practice
- Sync and imports cost extra. The free app has no automatic broker imports or cross-device sync. Both sit in Connect, so a user who wants a phone and a desktop in step pays from $2.99 a month.
- No broker list on the main page. The page links to a brokerage list instead of naming supported brokers, so a buyer cannot tell from the main page whether their account is covered before installing.
- Maker details missing. No company name, address or country appears on the page opened. A buyer who needs a contracting entity for a household or business cannot identify one from this page.
Works with
Alternatives to Wealthfolio
Wealthfolio: common questions
Is Wealthfolio free to use?
The app is free, needs no account and runs locally on desktop and mobile or on your own server. Connect is a separate paid add-on starting at $2.99 a month for encrypted sync, with brokerage imports from $7.99 and household sharing from $12.99. The page does not state the billing period beside every figure.
Can Wealthfolio use a local AI model?
Yes. The page lists Ollama and LM Studio as local model options, plus an own API key for Anthropic, OpenAI or Google. You choose which data each AI provider can access. The page does not say how well local models handle portfolio questions, so test with a small model first.
How do I connect Claude or ChatGPT to Wealthfolio?
Wealthfolio offers an MCP server that Claude, ChatGPT or Cursor can connect to, with access that can be revoked. The page opened gives no setup steps, so follow the project documentation on GitHub and grant the narrowest data scope you can.
Where is my Wealthfolio data stored?
By default on your own devices, and on your own server if you self-host. Connect adds encrypted sync across devices. The page does not name an encryption standard, a retention period or a hosting region for Connect, so ask the vendor if that matters to you.
Which brokers does Wealthfolio import from?
The main page names none and links to a separate brokerage list. Automatic imports belong to the paid Connect add-on, and CSV import is listed for everyone. Check the linked list for your exact account, and test a CSV import before paying for Connect.