Real-time prices
Stocks & ETFs via Alpha Vantage or Finnhub. 10,000+ cryptocurrencies via CoinGecko. Precious metals via Metals.dev. Bring your own keys.
Your wealth, seen only by you.
Private Portfolio is a wealth tracker that never asks for an account. Every balance you enter lives on your Mac — encrypted at rest, unseen by any server. No sync. No subscription. No cloud.
Principles
— Four, and only four —
The thesis
I — Locality
Your balances never leave this Mac.
No Plaid, no Yodlee, no server. Only asset symbols touch the network — never holdings.
II — Encryption
Everything at rest, sealed.
AES-256-GCM with PBKDF2-HMAC-SHA512, 600,000 iterations. Touch ID, auto-lock, duress password.
III — Scope
One view for every asset you own.
Stocks, crypto, real estate, metals, bonds, retirement, collectibles — 20+ classes, one net-worth.
IV — Ownership
Pay once. Keep it forever.
A free tier to begin with, a one-time lifetime unlock to remove the limit. No subscription, ever.
Features
— The complete picture —
Ch. 01
Everything you own, at a glance.
One view, built for serious portfolios: live prices, multi-currency net worth, projections, and beautifully rendered allocation — all computed on device, all yours alone.
01
02
Multi-currency net worth
USD, EUR, GBP, CHF, JPY, CAD, AUD and more — with automatic conversion and a single consolidated view.
03
Twenty-plus asset classes
Stocks, crypto, real estate, metals, bonds, retirement accounts, private investments, collectibles, vehicles, insurance, loans, options.
04
Twenty-year projections
Conservative, expected, and optimistic scenarios. Inflation-adjusted. Milestones you can track against.
05
Allocation breakdown
Pie and breakdown views across asset classes and accounts. Understand concentration at a glance.
06
Export without lock-in
CSV or JSON, any time, from settings. Your data, your format, your control.
Plates
— Three views of the app —
Ch. 02
Plate I — Dashboard
Everything at a glance.
Net worth, 12-month history, asset allocation, top movers — all on one surface. Quiet, fast, precise.
- Multi-currency total
- Interactive history chart
- Allocation pie
- Performance metrics
Plate II — Stocks & crypto
Track every position.
Live prices, gain and loss per position, value history, and a breakdown by account. No surprises.
- Real-time updates
- Per-position P&L
- Value history
- Account split
Plate III — Projection
See where you are headed.
Conservative, expected, optimistic — three scenarios over twenty years, adjusted for inflation if you ask.
- Twenty-year horizon
- Three scenarios
- Inflation-adjusted
- Milestone tracking
Plate IV — Commodities
Metals, tracked properly.
Gold, silver, platinum, palladium — priced in the currency you care about, with holdings history and a breakdown by metal and by type.
- Live metal prices
- By metal & by type
- Holdings with cost basis
- Gain / loss per position
Privacy
— A few plain sentences —
Ch. 03
Your data never leaves this Mac.
Privacy is not a feature here. It is the premise. Everything below is what that premise costs — and why we think it is worth paying.
I
Local-only storage
Your portfolio database is a single encrypted file on your Mac. It is never uploaded, synced, or copied to iCloud.
II
AES-256-GCM at rest
Derived with PBKDF2-HMAC-SHA512 at 600,000 iterations and a cryptographically secure random salt. Keys live in the Keychain, device-only.
III
No tracking, no telemetry
No analytics. No crash pingbacks. No ad IDs. Only asset symbols (AAPL, BTC) ever leave the machine — to fetch prices, nothing else.
IV
Touch ID and duress
Biometric unlock, auto-lock on sleep, a separate duress password that opens a decoy portfolio — because some threats are not theoretical.
Assets
— Twenty-plus classes —
Ch. 04
Track everything you own.
From the liquid and public to the illiquid and private. Below is the full list — the things you would have to cobble together from three apps, in one.
| # | Asset class | Source / note | Coverage |
|---|---|---|---|
| 01 | Stocks & ETFs | Alpha Vantage or Finnhub | Global equities |
| 02 | Cryptocurrency | CoinGecko | 10,000+ |
| 03 | Real estate | Equity + property value | Manual |
| 04 | Bank accounts & cash | Manual entry | Any currency |
| 05 | Precious metals | Metals.dev | Au · Ag · Pt · Pd |
| 06 | Bonds & fixed income | Manual, with yield | Any |
| 07 | Retirement accounts | 401(k), IRA, Roth, Traditional | All types |
| 08 | Private investments | Startups, funds, partnerships | Manual |
| 09 | Collectibles & art | User-valued | Manual |
| 10 | Vehicles | Depreciable | Manual |
| 11 | Life insurance (cash value) | Policy-tracked | Manual |
| 12 | Loans receivable | With term & interest | Manual |
| 13 | Stock options | Strike, vesting, grant date | Manual |
Security
— The vault, in detail —
Ch. 05
A vault built for the paranoid.
Every layer below exists because financial data deserves more than a login screen and good intentions.
01
Master password
Never stored. Used only to derive the encryption key, which itself never touches disk in plaintext.
02
Touch ID unlock
Biometric convenience, Secure Enclave storage. You still own the fallback password.
03
Auto-lock on sleep
Close the lid, the vault closes with it. Walk away without worrying.
04
Duress password
A second password that opens a decoy portfolio. For when "I can't unlock it" is not the safe answer.
05
Factory reset
One action, irreversible. Everything gone, locally, immediately.
FAQ
— The short answers —
Ch. 06
Q.01Is my financial data sent to the cloud?+
No. Everything is stored locally on your Mac and encrypted with AES-256-GCM. Only asset symbols — AAPL, BTC — are sent to price APIs. Never balances, quantities, or holdings.
Q.02Is Private Portfolio free?+
There is a free tier that tracks up to three assets. A one-time lifetime purchase unlocks unlimited assets. There is no subscription, ever.
Q.03What asset types can I track?+
Stocks & ETFs, 10,000+ cryptocurrencies, real estate, bank accounts, precious metals, bonds, retirement accounts (401k, IRA, Roth), private investments, collectibles, vehicles, life insurance, loans receivable, and stock options.
Q.04How is my data protected at rest?+
AES-256-GCM with PBKDF2-HMAC-SHA512 key derivation, 600,000 iterations, a cryptographically secure random salt, and Keychain storage with device-only access (no iCloud sync).
Q.05Which price APIs are supported?+
Alpha Vantage and Finnhub for stocks and ETFs, CoinGecko for crypto, Metals.dev for precious metals. You bring your own keys — full control over the third parties in play.
Q.06Can I export my data?+
Yes. CSV or JSON, from settings, at any time. No vendor lock-in.
Q.07Which macOS versions are supported?+
macOS 15.0 and later, native on both Apple Silicon and Intel Macs.
Q.08Does it sync across devices?+
No. Sync would require a server or iCloud; Private Portfolio avoids both by design.
Q.09How is this different from Mint, Monarch, or Kubera?+
Those apps route your financial data through their servers. Private Portfolio does not route it anywhere — no account, no Plaid or Yodlee, no cloud database.
Q.10Does it give financial advice?+
No. It is a tracking and visualization tool, not an advisor.
Colophon · Download
Start tracking your wealth privately.
No account. No subscription. No cloud. Just you and your Mac.
Download for Mac
Requires macOS 15.0 or later