100% Private & Local

Financial Literacy, Illuminated.

Stop guessing. Start projecting. A powerful, privacy-first portfolio tracker with Monte Carlo retirement simulations, risk analysis, and intelligent allocation insights. The dashboard that answers: "Will my money last?"

Early Access: Finlity is under active development. Try the demo and share your feedback!
Privacy First: Self-host your data locally. No cloud sync, no tracking, no external servers required.
Finlity Dashboard

Everything You Need to Manage Your Wealth

Professional-grade portfolio analytics, retirement projections, and budgeting tools - all in one privacy-focused dashboard.

Multi-Account Tracking

Track all your accounts in one place - 401(k), IRA, taxable brokerage, 529 plans, HSAs, and more with custom account types.

Easy Data Import

Drag-and-drop CSV/Excel files from Schwab, Fidelity, Vanguard, and other brokerages with automatic format detection.

Real Estate & CDs

Track property values, CDs with maturity dates, and cash positions with APY - see your complete financial picture.

Risk Analysis

Sharpe ratio, Sortino ratio, VaR, CVaR, beta, max drawdown - all the metrics pros use to evaluate portfolios.

Smart Triggers

Set alerts for allocation drift, position concentration, or portfolio milestones. Never miss important changes.

Plugin System

Extend with custom importers, analyzers, and widgets. Built-in plugins for dividends, tax-loss harvesting, and more.

Comprehensive Dashboard

Get a complete overview of your financial health at a glance. Track total portfolio value, account breakdowns, retirement progress, and key metrics all in one place.

  • Real-time portfolio valuation with automatic price updates
  • Account-by-account breakdown with gain/loss tracking
  • Years to retirement and projected monthly income
  • Interactive charts for allocation and performance
Portfolio Dashboard

Complete Holdings View

See every position across all your accounts with detailed information including cost basis, current value, and unrealized gains.

  • Sort by any column - value, gain/loss, account, sector
  • Search and filter across all holdings instantly
  • Track individual stocks, ETFs, mutual funds, and more
Holdings List

Deep Allocation Analysis

Understand exactly where your money is invested with detailed breakdowns by asset class, sector, geography, market cap, and investment style.

  • Asset class allocation with target comparison
  • Sector concentration analysis
  • Geographic diversification metrics
  • Growth vs Value style breakdown
Allocation Analysis

Plan Your Retirement with Confidence

Run 10,000 Monte Carlo simulations to stress-test your retirement plan against market volatility, black swan events, and sequence of returns risk.

Monte Carlo Simulation Results

Black Swan Modeling

Account for rare market crashes with configurable tail risk scenarios.

Success Probability

See your chances of not running out of money across different withdrawal rates.

Year-by-Year Tables

Detailed projections showing balance, withdrawals, and returns for each year.

Withdrawal Comparison

Compare 3%, 4%, and 5% withdrawal rates side-by-side with percentile outcomes.

Beyond Portfolio Tracking

Comprehensive financial planning tools including budgeting, tax projections, and AI-powered insights.

Budget & Paycheck

Track income, expenses, and see detailed paycheck breakdowns with tax calculations

Lifetime Tax Analysis

Project taxes across your entire retirement with smart withdrawal strategies

AI Insights

Get intelligent commentary on your portfolio from Claude, OpenAI, or Cerebras

Plugin System

Extend with custom importers, analyzers, and visualization widgets

Multi-Profile Support

Perfect for financial advisors or anyone managing multiple portfolios. Each profile has its own completely isolated database.

  • Manage multiple client portfolios separately
  • Demo mode for presentations without exposing real data
  • Secure plugin permission system
Profile Management

Ready to Take Control of Your Portfolio?

Try the demo now and see how Finlity can help you plan for retirement with confidence.