MyFinance — self-hosted budget & portfolio tracker

The problem

Your money lives in a dozen places, so three simple questions go unanswered.

What am I worth today?

Cash in the bank, ETFs at a broker, coins on an exchange and gold in a safe, all in different units and currencies.

Where did the money go?

Budgets only catch what you remember to type in. The rest disappears quietly.

How much risk am I taking?

A market drawdown and an illiquid watch collection are different risks, and a spreadsheet treats them the same.

Positions

Track each asset in its real unit

Enter gold in grams and crypto in coins. MyFinance fetches live prices and converts everything into your base currency.

Cash, savings, bonds	PLN, EUR, USD or CHF
Gold	grams, at the live price per gram
Bitcoin, Solana	coin quantity, priced live
Stocks, funds, pensions	value in any currency
Watches, vehicles	revalue whenever you like

Every update is timestamped, so your history builds itself.

History

See how the portfolio grew, and what drove it

One chart, four views: total, per asset, per class and per risk band. Past points keep the prices of their own day, so you see what actually happened rather than today's prices applied to last year.

Projection with cautious and optimistic scenarios
Six-month reserve line drawn on the chart

Stacked area chart of portfolio value over a year, split by asset class

Stacked area chart of portfolio value split by risk band

Risk profile

Know how exposed you really are

Allocation tells you what you hold. The risk profile tells you how exposed you are and how quickly you could get your money out.

Safecash, savings, bonds: available tomorrow

Moderatefunds, gold, retirement

Riskystocks, crypto: can fall sharply

Illiquidwatches, vehicles, receivables: slow to sell

Two axes, not one

Volatility and liquidity are measured separately. A watch collection won't crash, but it can't pay next month's rent either, so it gets its own band instead of inflating "risky".

Your safety net comes from it

Reserve cover counts only the safe band against your monthly commitments. Split the value chart by risk to see whether that band stays above the six-month line.

Each asset has its own band

Every asset starts in its class's band but keeps its own, so one holding can be classed differently from the rest. The AI review is told the bands too.

Effective spend

effective spend =
income − change in net worth

Everything you earn either ends up in your portfolio or gets spent. MyFinance works out your real spending from your net worth, including everything you forgot to log. It's honest about markets too: a drawdown counts in the month it happens, and the app tells you so.

Monthly

Monthly budgets you never have to retype

Record income and spend once a month. Committed spend comes from your recurring expenses, so fixing an expense also corrects every past month it applies to.

Savings rate and surplus for every month
Typed-in spend next to effective spend
Commitments broken down by category

Monthly page for July 2026 showing income, actual spend, committed spend, surplus and effective spend

Chart comparing committed, income, actual and effective spend over two years

Expenses & reserve

Plan for what you've already committed to

Rent, leases, subscriptions and one-off bills, in any currency
Upcoming payments and contracts ending soon are highlighted
Reserve cover projects how many months your safe assets last, including the bills already booked

Expenses page with the monthly commitment, a breakdown by category and the recurring expense list

Reserve cover over time, with a six-month target line and a dashed projection

AI inside

Your own AI financial analyst, running on your own GPU.

122Bparameters in the model that writes your review

4investing styles to judge your portfolio against

0figures sent to a cloud AI provider

Wallet assessment

A private portfolio review, on your own hardware

Tell it what kind of investor you want to be. A language model then checks what you actually hold against that goal and says plainly where the two differ.

Qwen3.5 122B writes the review; Bielik 11B translates it into natural Polish
The request goes to your own GPU server, not a cloud API
Runs in the background, since a large model takes minutes
Each report is stored with the figures it was based on, so an old review still makes sense months later

Assessment page with a style picker and a written review: summary, risks and recommendations — Sample report on demo data.

Four styles, four yardsticks

Safe

Capital preservation first. Expects at least six months of cover and is strict about concentration in stocks, crypto or any single holding.

Balanced

Real equity exposure plus a three-to-six-month buffer. No single class should dominate, and speculative holdings stay a modest slice.

Risky

Drawdowns and conviction bets are accepted, but it still insists on enough cash that a bad year never forces a sale at the bottom.

Long-term

A horizon of ten years or more. Idle cash and fees count as real costs, and each holding has to make sense a decade from now.

What the model sees

Every holding with its value and share, rolled up by class and by risk band
Monthly commitments by category
Twelve months of income, recorded spend and effective spend, plus your savings rate
The same numbers the dashboard shows

What you get back, and the rules it follows

Summary, What stands out, Risks and Recommendations, in that order
Every recommendation names a target: a percentage, an amount or months of cover
It uses only your figures, never invents a number, and says when something is missing
It never recommends specific tickers, funds or products. It's analysis, not financial advice.

Security

Security built in from the start

Entra ID sign-on

Authorization code with PKCE. There's no client secret in the code, the chart or the image.

Role-gated access

Only accounts assigned the app role get in, not everyone in the tenant.

Mutual TLS

The backend proves its identity with a certificate to PostgreSQL and to the model server.

Self-hosted

Your financial data stays on your own server or cluster. There's no third-party SaaS.

Dashboard in dark mode — **Dark mode**, with charts themed to match.

Dashboard in Polish — **English and Polish** throughout. Base currency can be PLN, EUR, USD or CHF.

Get started

Up and running with one command

$ git clone https://github.com/swiru95/MyFinance.git
$ cd MyFinance
$ docker compose up --build

# open http://localhost:3000

Sign-in and the AI review stay off until you configure them, so the app runs locally straight away.

Frontend	Next.js 14, TypeScript, Tailwind, Recharts
Backend	Python, FastAPI, SQLAlchemy
Database	SQLite, or PostgreSQL over mutual TLS
Deploy	Docker Compose, or a Helm chart on Kubernetes with images on GHCR
Prices	Public FX, gold and crypto APIs, with offline fallbacks
Models	Any OpenAI-compatible server, such as llama-server

Your whole net worth. One honest number.