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Netaro vs Wealthfolio
Wealthfolio is a free, open-source, local-first investment tracker for desktop and iPhone, with paid end-to-end encrypted sync. Netaro is a private net worth tracker built for iPhone and Android, with property, pensions and debt on the same balance sheet and an AI that explains what moved. Both keep your portfolio on your own device. Netaro is a private net worth tracker for iPhone and Android that puts stocks, crypto, cash, property, pensions, private equity, debt and valuables on one balance sheet, with no bank linking.
| Feature | Netaro | Wealthfolio |
|---|---|---|
| Price | Free. Pro is $5.99 a month or $39.99 a year, with a 14-day free trial on annual. | Free app. Paid Connect sync from $2.99 a month; broker linking from $7.99 a month. |
| Platforms | iPhone and Android apps. | Mac, Windows, Linux, iPhone and iPad, plus a self-hosted web app. No Android app yet. |
| Where your data lives | On your device, plus an optional private cloud backup. | On each device. Devices only sync through the paid Connect service. |
| Cloud encryption | Backup encrypted in transit and at rest, not end-to-end. | Connect sync is end-to-end encrypted. |
| Bank and broker linking | None. Manual entry or broker CSV import. | Optional and paid, through SnapTrade. Manual entry and CSV import are free. |
| Property and debt | Value minus mortgage on one holding, with fractional ownership. Debt as its own class. | Property, vehicles, collectibles and liabilities as manually valued assets. |
| Pensions and tax wrappers | Accounts carry a wrapper (Pension, SIPP, Stocks & Shares ISA, Cash ISA, Lifetime ISA, 401(k), Roth 401(k), Traditional IRA, Roth IRA, HSA, 529 Plan, TFSA, RRSP, FHSA, RESP, RRIF, Superannuation, KiwiSaver, PRSA, ARF, Retirement Annuity, CPF, SRS) that feeds liquidity and health analysis. | Contribution room tracking for accounts such as IRA, 401(k) and TFSA. |
| AI | Built into Pro, no setup. The AI provider gets a de-identified view of holdings, never your identity. | Bring your own API key, or run a model fully on your machine with Ollama. |
| Analytics | Crash reports and product analytics only with your consent. No ad tracking. | No analytics or telemetry. |
| Source code | Closed source. | Open source (AGPL-3.0). |
| Best for | People who want their whole net worth on their phone, including Android, with explanations of what changed. | Investors who want open source, detailed performance maths on a desktop, and full control of their AI. |
Two takes on private tracking
Both apps reject the aggregator model. Neither needs a bank login, and both keep the working copy of your portfolio in a local database on your device. The differences are in what each is built around.
Wealthfolio grew out of the desktop. It is strongest as an investment ledger: record every trade, and it works out cost basis, currency effects and performance. It is open source, so anyone can check what it does.
Netaro is built for the phone and for the whole balance sheet. Stocks and funds sit next to your home and its mortgage, your pensions, cash, crypto, private shares, valuables and debts, and the app tells you how liquid, leveraged and concentrated that picture is.
Privacy, honestly
Wealthfolio has the stronger privacy story on paper. The core app sends nothing except price lookups and update checks, its paid sync is end-to-end encrypted, and its AI can run entirely on your own machine.
Netaro never sees a bank credential and keeps your portfolio on your phone. If you create an account, the cloud backup is encrypted in transit and at rest, but it is not end-to-end encrypted. Its AI features send a de-identified view of your holdings to an AI provider, without your name or email. Crash reports and analytics only run if you agree to them.
Where Wealthfolio is stronger
Being fair about it:
- Open source, so its privacy claims can be audited.
- End-to-end encrypted sync between devices.
- AI that can run fully locally, or on your own API key.
- Desktop apps for Mac, Windows and Linux, plus self-hosting.
- Trade-level performance tracking with currency effects on the trade date.
- Optional automatic broker sync for supported institutions.
Where Netaro is stronger
- A native Android app as well as iPhone.
- Property modelled as value minus mortgage, with fractional ownership for a jointly owned home.
- UK and international wrappers built in, including Pension, SIPP, Stocks & Shares ISA, Cash ISA, Lifetime ISA.
- A Portfolio Health score across liquidity, leverage, concentration, strength and stability.
- Private percentile benchmarks for your country and age band.
- A Weekly Digest that explains what moved your net worth and why, and an AI that works without an API key or a local model.
Verdict
Choose Wealthfolio if you want open source, end-to-end encrypted sync, local AI and detailed investment maths, and you mostly use a computer or an iPhone. Choose Netaro if you want your whole net worth, home and pensions included, on your iPhone or Android phone, with health scores and a weekly explanation of what changed.
Frequently asked questions
- Is Netaro open source like Wealthfolio?
- No. Netaro is closed source. Your portfolio is stored on your device, there is no bank linking and no ad tracking, and the optional cloud backup is encrypted in transit and at rest.
- Is there a Wealthfolio alternative for Android?
- Yes. Netaro has native apps for Android and iPhone. Wealthfolio has no Android app yet, though it says one is planned.
- Can I move from Wealthfolio to Netaro?
- Yes. Add your accounts in Netaro, and use Netaro Import on your broker’s holdings or activity CSV to bring positions in. Most portfolios take under half an hour.
- Do both apps work without linking a bank?
- Yes. Netaro never links to a bank. Wealthfolio works fully without linking, and offers optional paid broker sync.
Get the app
See your real net worth tonight
Free to start, private by design, no bank connections required.
Competitor details reviewed September 2026 from public pricing and product pages. Prices and features change; check the other product’s site before deciding. Netaro is a net worth tracking tool and does not provide regulated financial advice.