FinanceCopilot
A personal wealth management app built with Flutter. Track your entire financial picture — bank accounts, investments, ETFs, bonds, commodities, pension funds — in one place with automatic price sync and no cloud dependency.
Runs on macOS and Windows. All data stays local in SQLite.
Screenshots
Financial Health
KPI scoring across Liquidity, Wealth, and Diversification categories with overall health gauge. Each indicator has an info button showing the formula with actual values.
History & Price Changes
Price changes table with period selector (1D/1W/1M/3M/6M/1Y/YTD/All), combined Totals chart, and drill-down per asset/account.
Cash Flow
Saving vs moving average with diff overlay, expenses tracking, and YoY comparison charts.
Portfolio Allocation
Geographic, sector, asset class, and instrument type donut charts. Composition data fetched and aggregated automatically.
Assets
All your holdings grouped by intermediary, with live prices, event counts, and performance indicators.
Asset Detail
Per-asset view with ticker, ISIN, exchange, and full event history (buy, sell, revalue). Composition breakdown by geography, sector, and top holdings.
Import
Flexible column mapping for any bank or broker CSV/Excel export. ISIN-based exchange picker with per-asset exclude checkbox.
Features
Net Worth Dashboard
- Financial Health tab with KPI scoring: Liquidity (Net Worth Ratio, Expense Coverage, Savings Rate), Wealth (Investment Weight, Liquid Asset Ratio, Income-to-Wealth), Performance & Diversification (Price Changes, HHI, TER)
- History tab combining all accounts, assets, and adjustments into one chart
- Cash Flow tab with income vs expenses, YoY changes, and EOY prediction
- Assets Overview with allocation donuts, top holdings, concentration risk, and investment costs
- Price Changes table with 1D/1W/1M/3M/6M/1Y/YTD/All performance per asset
- Toggle privacy mode to blur all amounts
Portfolio Allocation
- 6 donut charts: Geographic, Sector, Asset Class, Instrument Type, Currency, Top Holdings
- Drill-down on any slice to see which assets contribute
- Concentration risk: Top 1/3/5 percentages and Herfindahl-Hirschman Index (HHI)
- Investment costs: Weighted average TER with per-asset cost breakdown
- Composition data auto-fetched for ETFs and stocks
Asset Tracking
- Stocks, ETFs, ETCs, bonds, pension funds — all in one model
- Buy, sell, and revalue events with full audit trail
- Market prices sync automatically
- ISIN-first search — resolves any ISIN to the correct exchange listing
- Bond pricing handles per-nominal quoting (/100)
- Auto-classification by instrument type and asset class
- TER and composition auto-fetched for ETFs
Account Management
- Unlimited bank accounts, brokers, wallets
- Balances derived from imported transactions — fully auditable history
- Group accounts and assets by Intermediary (broker/institution)
Smart Adjustments
- Spread Expenses — Amortise a large purchase over time (e.g. spread a car over 36 months)
- Donations / Inheritance — Track and adjust for lump-sum income events
CSV & Excel Import
- Import from any bank or broker (CSV, XLSX, clipboard)
- Flexible column mapping with saved configs per account
- ISIN-based exchange picker with auto-lookup
- Exclude checkbox per ISIN to skip unwanted assets
- Supports: Fineco, Directa, N26, Revolut, Interactive Brokers, and any custom format
- Multi-column amounts, balance-diff mode, formula builder, status filtering
- Import transactions, asset events, or income records
- Correct XLSX numeric parsing (handles 3-decimal values like 260.437)
Multi-Currency
- 13 currencies: EUR, USD, GBP, CHF, JPY, SEK, NOK, DKK, PLN, CZK, HUF, CAD, AUD
- FX rates synced automatically with historical backfill
- Everything converts to your chosen base currency automatically
- Per-event exchange rate tracking for accurate cost basis
Income Tracking
- Track income sources with type classification
- Rolling 12-month income for Income-to-Wealth ratio
- YoY income changes with end-of-year prediction
- Monthly expense tracking for health KPI calculations
Bilingual
- Full Italian and English support (auto-detected from system locale)
- All UI strings, chart labels, KPI descriptions, and ratings localized
Tech Stack
| Layer | Technology |
|---|---|
| Framework | Flutter / Dart |
| Platforms | macOS, Windows |
| State management | Riverpod (reactive streams) |
| Database | Drift (SQLite) |
| Charts | fl_chart |
| Import | csv, excel, file_picker |
Install
Homebrew (macOS)
brew tap marcobazzani/financecopilot
brew install --cask financecopilot
For the nightly build (latest from develop):
brew install --cask financecopilot-nightly
Download
Pre-built binaries for macOS and Windows are available on the Releases page. The Nightly Build is updated automatically on every push to develop.
Build from Source
Prerequisites: Flutter SDK ^3.8.1, Xcode (macOS) or Visual Studio (Windows)
flutter pub get
dart run build_runner build --delete-conflicting-outputs
# macOS
flutter build macos --release
open build/macos/Build/Products/Release/FinanceCopilot.app
# Windows
flutter build windows --release
Run Tests
# Unit tests (353 tests, ~10s)
flutter test
# Integration tests (14 tests, ~50s, requires macOS)
flutter test integration_test/all_tests.dart -d macos
# Live data test (12 assets, real market data, ~50s)
flutter test integration_test/live_data_fetch_test.dart -d macos
Architecture
- Offline-first — All data lives locally in SQLite. Market data and composition are cached after sync.
- Reactive — Riverpod stream providers watch the database and rebuild the UI automatically on any change.
- Self-contained — The app bundle has no runtime dependencies. No Python, no external processes.
- ISIN-first — All asset resolution prefers ISIN over ticker for reliable multi-exchange matching.
Privacy & Terms
License
MIT