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Indie alternatives to Personal Capital
4 products made by independent developers and small teams that do what Personal Capital does, 2 of them with a free plan. Free and open-source options come first.
At a glance
| Product | Price | Open source | Self-host | Platforms |
|---|---|---|---|---|
| Ghostfolio | Free plan | Yes | Yes | Web, Self-hosted |
| ProjectionLab | Free plan | – | – | Web |
| Kubera | Paid | – | – | Web |
| Monarch Money | Paid | – | – | Web, iOS, Android |
The alternatives
1. Ghostfolio
Open-source wealth and portfolio tracker
Ghostfolio is an open-source dashboard for tracking stocks, ETFs and crypto holdings, available hosted or self-hosted.
Free plan · Web, Self-hosted · Website ↗
2. ProjectionLab
Financial planning and retirement projections
ProjectionLab models long-term financial plans, retirement scenarios and FIRE goals with simulations.
Free plan · Web · Website ↗
4. Monarch Money
Budgeting, net worth and investment tracking
Monarch Money tracks spending, budgets, net worth and investments across linked accounts, with sharing for couples.
Paid · Web, iOS, Android · Website ↗
Questions
Is there a free alternative to Personal Capital?
Yes. 2 of the 4 indie alternatives listed here have a free plan or are free: Ghostfolio and ProjectionLab.
Is there an open-source alternative to Personal Capital?
Ghostfolio is open source.
Can I self-host an alternative to Personal Capital?
Yes: Ghostfolio can run on your own server.
Which Personal Capital alternatives work on Mac, Windows, iPhone or Android?
On iPhone and iPad: Monarch Money. On Android: Monarch Money.
What makes these alternatives to Personal Capital “indie”?
They are built by independent developers or small teams rather than large companies. Each one is listed because it does the same core job as Personal Capital.
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