Personal Finance & Investment Tracker

Part of the worlds-biggest-software-project initiative.

An open, AI-native platform that unifies net worth, investment performance, and tax optimisation in a single view.

Personal Finance & Investment Tracker is a candidate open-source project for individuals whose assets are spread across bank accounts, brokerages, retirement funds, property, cryptocurrency, and private investments. It targets the gap between budgeting-only and investment-only tools by providing a holistic dashboard with AI-driven insights across the full financial picture.

Why Personal Finance & Investment Tracker?

Most consumer tools focus on either budgeting (YNAB, Quicken Simplifi) or investments (Empower, PortfolioPilot), forcing users to manually reconcile across multiple apps.
Comprehensive trackers like Kubera ($249–$2,499/yr) and full AI recommendation tiers like PortfolioPilot Platinum ($99/mo) are expensive, while affordable options lack advanced portfolio analytics.
No mainstream product offers a holistic tax planning timeline that visualises Roth conversions, tax-loss harvesting windows, estimated tax payments, and capital gains realisation across the calendar year.
Cross-account tax-loss harvesting for DIY investors is unaddressed: Wealthfront only harvests assets it manages directly.
Privacy-conscious users have no local-first or self-hosted option among incumbent SaaS products.
Non-US asset support (PSD2, UK, Australian, Asian account types) is poorly served by predominantly US-centric incumbents.

Key Features

Net Worth & Aggregation

Multi-account aggregation via Plaid or MX covering bank, brokerage, credit card, and loan accounts
Net worth dashboard with daily balance updates and historical trend chart
Multi-currency support with automatic FX conversion
CSV import fallback for institutions without API coverage

Investment Analytics

Holdings list, total portfolio value, asset allocation breakdown, and daily gain/loss
Time-weighted return and benchmark comparison against indices such as S&P 500 and 60/40
Fee drag analysis across all linked investment accounts
Cost basis tracking (FIFO, LIFO, specific identification) with realised vs unrealised gains

Tax Optimisation

Tax event tracking, including realised gains/losses, estimated tax liability, and wash sale flagging
Tax-loss harvesting opportunity identification across externally held accounts
Account contribution optimisation across 401k, IRA, HSA, and taxable accounts
Roth conversion and capital gains planning tools

Budgeting & Cashflow

Transaction auto-categorisation with manual correction and category learning
Budget and spending plan creation with monthly tracking
Recurring bill and subscription detection
Cashflow forecasting

Planning & AI Insights

Retirement projections using Monte Carlo probability scoring
Goal feasibility analysis and scenario modelling (e.g. retire at 60, pay off mortgage early)
AI financial Q&A using the user's actual portfolio data
Proactive alerts for portfolio drift, tax events, fee drags, and unusual spending

Alternative Assets & Estate (backlog)

Real estate (Zillow or manual), vehicles (VIN), private equity (Carta), precious metals, and crypto/DeFi balances
Beneficiary and estate document tracking alongside asset records
Document vault with OCR for statements and tax returns

AI-Native Advantage

AI is applied where incumbents underuse it: continuous tax opportunity identification across all accounts, natural-language Q&A grounded in the user's real portfolio, proactive anomaly detection without user-defined rules, and goal feasibility analysis with actionable recommendations. JP Morgan research cited by PortfolioPilot indicates continuous tax optimisation can deliver an additional 1.94% yearly return — a margin that compounds significantly over decades. Document parsing via LLMs can extract data from uploaded tax returns and brokerage statements, removing manual entry friction.

Tech Stack & Deployment

The project anticipates a cloud-hosted default with a privacy-first local or self-hosted deployment option for users unwilling to share financial data with third parties. Account aggregation will use open banking APIs (Plaid, MX, TrueLayer, FDX-compliant providers) with CSV import fallback. The portfolio analytics engine handles time-weighted return, IRR, Sharpe ratio, beta, and asset allocation. Security expectations include bank-level encryption, read-only access tokens, and SOC 2 alignment. AI features are framed as "insights" and "education" with disclaimers to avoid crossing into regulated investment advice.

Market Context

The AI-powered personal finance management market was valued at $1.37 billion in 2024 and is projected to reach $2.36 billion by 2032 at a 7% CAGR (Financial Deep Dive). Incumbent pricing ranges from $35.88/yr (Quicken Simplifi) and $99.99/yr (Monarch Core) to $249–$2,499/yr (Kubera) and $99/mo (PortfolioPilot Platinum). Primary buyers are millennials and high-income professionals managing complex, multi-asset portfolios.

Project Status

This project is in the research and specification phase.
Contributions, feedback, and domain expertise are welcome.

Contributing

We welcome contributions from developers, domain experts, and potential users. See CONTRIBUTING.md for guidelines.

Important: All contributions must be your own original work or clearly attributed open-source material with a compatible licence. Copyright infringement and licence violations will not be tolerated and will result in immediate removal of the offending contribution. If you are unsure whether a piece of code, text, or other material is safe to contribute, open an issue and ask before submitting.

Licence

Licence to be determined. See discussion for context.