Free, local personal wealth management software
How much do you really own when your savings, home, investments and loans are spread across several institutions? My Wealth brings this information together to track your net wealth, understand its changes and prepare your plans.
Your wealth remains in a file you control. Essential features are free, with no mandatory account and no connection to your bank accounts.
1. What changes in your tracking
- A multi-asset view: property, savings, shares, ETFs, SCPI funds, cryptocurrencies, precious metals and debts brought into the same wealth file.
- A local, portable file: choose its location, backups and, if you wish, encryption protection.
- Updates under your control: schedule tracking and enter new values. On Windows, smart import can also prepare changes from an image or export using local AI.
- Optional tools: My Wealth LIVE data services, the local AI assistant and MCP connections extend the application according to your needs.
2. Find the net value of what you own
A home with a mortgage does not tell the same story as a debt-free home. My Wealth distinguishes assets, liabilities and net wealth instead of limiting tracking to adding investments together.
You can organise items by institution, account, investment wrapper or owner. A securities portfolio, emergency savings and jointly owned property retain their context in a consolidated view.
To explore this organisation in detail, see multi-asset portfolio tracking.
3. Understand why your wealth changes
A rise in the total may come from a contribution, a revaluation or repayment of a debt. The Portfolio overview and wealth journal help distinguish these movements.
Analyses then let you examine allocation, concentrations, asset availability and debt. If an exchange rate is missing, an indicator helps identify an incomplete result before you interpret it.
These views describe the data in your file; they do not determine which investments to buy or sell. The analysis guide explains the indicators and their methods.
4. Connect your position to your plans
Tracking goes beyond today's value. You can explore:
| Your question | View to explore |
|---|---|
| Where do my rent, dividends and interest come from? | Passive income |
| What remains after planned expenses and contributions? | Budget and wealth |
| What contribution matches my target under my assumptions? | Investment goals |
Projections are scenarios based on your settings and data. They do not guarantee any return.
5. Update investments without connecting your accounts
The Update Centre lets you organise regular checks and enter new values. Smart import adds local source analysis on Windows: you review proposals before applying them.
My Wealth LIVE serves a different need: finding assets and retrieving available prices. This optional subscription does not synchronise your purchases, sales or bank balances.
6. Does it suit how you manage your finances?
My Wealth is for individuals who want to understand their wealth and are willing to organise its updates. A few accounts and investments are enough to start.
If your priority is automatic bank aggregation, professionally managing many client files or simultaneous editing of the same wealth file, check the limitations in Is My Wealth right for you?.
To save your own wealth data, download the application. My Wealth is free for local management; connected My Wealth LIVE financial services are optional and paid. The installation guide helps you get started.