Financial Health

75Health

Savings rateStrong

Emergency fundGood

DiversificationFair

RetirementOn track

Financial Health

One score that tells you where you actually stand.

A single 0–100 health score built from five weighted pillars — savings rate, emergency-fund months, debt, retirement progress and diversification — with a plain-English read that leads with your weakest area.

Weighted pillars — see exactly what's pulling the number up or down.
Honest gaps — pillars with no data are marked N/A, never guessed.
The default landing tab, so you start from the truth every launch.

Live Watchlist · 15s

ASML.AS STK€1,520.80▼ 1.05%

IWDA.AS ETF€125.26▲ 0.33%

BTC CRYPTO€57,173▲ 0.91%

ABI.BR STK€71.18▲ 0.11%

VWCE.DE ETF€164.18▲ 0.42%

Live Markets

Stocks, ETFs and crypto — refreshing in real time.

An auto-refreshing watchlist grouped into Stocks, ETFs and Crypto, each with its own tag. Prices flash green or red as they tick, and one click adds any row straight to your portfolio.

Live prices every 15 seconds, with tick-flash animation.
Deep charts — 1D through All-time on any holding.
Price alerts with native desktop notifications.

Portfolio · Unrealized P&L

Equities+€8,420 · 12.4%

ETFs+€3,110 · 6.8%

Crypto−€640 · 3.1%

Bonds+€920 · 2.4%

Est. annual dividends€1,284

Portfolio & P&L

Live value, real gains, and the tax angle too.

Enter quantity and cost basis to see live value and unrealized P&L grouped by asset class, plus estimated dividend income. Sells record a realized gain or loss and roll up into an all-time figure.

Realized & unrealized P&L, tracked separately.
Bonds included — track them by hand and see them counted in net worth.
Tax-loss harvesting flags holdings below cost basis.
Bulk CSV import to load an existing portfolio in seconds.

Fear & Greed Index

Greed

Market Sentiment

A Fear & Greed index that shows its work.

Every number reveals the data behind it — S&P 500 momentum, VIX, safe-haven and junk-bond demand, and 52-week position — computed locally from free market series. Nothing about your portfolio ever leaves your machine.

Fully transparent — five sourced components, no black box.
History charted over 1Y–Max: how long the market sat in greed or fear.
Includes the published crypto index as a sourced reference.

Institutional-grade, on your desktop

Analytics that usually cost a subscription.

The kind of tooling a desk analyst reaches for — risk, backtesting, scenario planning and Monte Carlo — built right into the app.

Portfolio Risk

Concentration via the Herfindahl index and "effective positions," allocation by class, sector, region and currency, plus an editable stress test with dollar and percentage hits.

Backtesting

Run your allocation against real historical prices. Lump-sum vs dollar-cost averaging, with final value, total return, CAGR / IRR and max drawdown on a two-line chart.

Scenario Time Machine

Save named what-ifs from your real finances — buy vs rent, retire at 55 vs 60 — each a timeline of events projected forward and compared on one chart. Branch and tweak one variable.

Investment & Loan Calculators

Growth projections with inflation-adjusted purchasing power and a 2,000-trial probability simulation, plus a full loan amortization calculator with extra payments.

Retirement / FIRE

A two-phase Monte Carlo simulation estimating your FIRE number, years to independence and the odds your money lasts — modeling sequence-of-returns risk, auto-filled from your data.

Budgets & Net Worth

Per-category budgets — or one total cap across everything — vs actual spend, automatic recurring-expense detection, and a live net worth with history and goal tracking.

Bonds

No free feed prices a bond by ISIN, so you enter face value, coupon, maturity and price as a % of par — the app derives market value, coupon income, current yield, years to maturity and P&L, and folds it into net worth.

Lots & Transaction Ledger

Every position and P&L figure is derived from a pure transaction ledger, with a per-lot view of what you bought and when — so the numbers reconcile instead of being stored and hoped for.

Command Palette & PDF Report

Ctrl+K jumps to any tab, holding or action without the mouse. Export a designed one-page A4 summary of your position — generated locally, no service involved.

Not mockups

The actual app, running.

Real screens from a real install — live market prices, a real backtest against real history. Only the holdings and balances are a sample portfolio.

Financial Health

One 0–100 score, five weighted pillars, and the weakest one named first.

Full size ↗

Manticore Finance Health tab: a 75/100 financial health score with savings rate, emergency fund, debt, diversification and retirement pillars.

Backtest & benchmark

Your allocation against real history — lump sum vs DCA, then Sharpe, beta and correlation vs the index.

Full size ↗

Manticore Finance Backtest tab: five-year lump sum versus dollar-cost averaging with CAGR, IRR, max drawdown and a risk panel showing Sharpe ratio, beta and correlation against the S&P 500.

Scenario time machine

Branch your finances, compare the branches on one chart, and see which one reaches FI first.

Full size ↗

Manticore Finance Scenarios tab: three what-if branches projected forward on one net worth chart, with an outcome table of ending net worth and the year each reaches financial independence.

Retirement / FIRE

2,000 simulated market paths, so sequence-of-returns risk shows up instead of being averaged away.

Full size ↗

Manticore Finance FIRE calculator: FIRE number, years to financial independence, the probability the money lasts, P10/P50/P90 ending balances and a projection chart.

The rest of the app

Portfolio tab: holdings grouped into stocks, ETFs and crypto with live value, average cost, unrealized P&L, dividend income and tax-loss harvesting flags. — Portfolio — live value, P&L, dividends and tax-loss flags

Risk tab: Herfindahl concentration index, effective positions, position weight bars with anything over 20 percent flagged, and allocation by asset class. — Risk — concentration, effective positions, stress testing

Wallet tab: estimated net worth, total assets and liabilities, a net worth history chart and progress toward a net worth goal. — Wallet — net worth over time, against your goal

Budget tab: per-category monthly budgets with colour-coded progress bars against actual spend, plus a one-time expense ledger. — Budgets — per category, or one cap across everything

Watchlist tab: stocks, ETFs and crypto grouped by type with live prices, daily change and analyst consensus ratings. — Watchlist — live prices, grouped, with analyst consensus

Sample portfolio, real prices. Nothing in these screenshots came from a customer's data. Click any screenshot to open it full size.

Private by design

Your data never leaves your machine.

No account, no login, no cloud. Everything lives in a local file — and with a passphrase set, that file is genuinely encrypted, not just hidden behind a screen.

AES-256-GCM encryption at restA scrypt-derived key makes your file unreadable ciphertext without the passphrase. There is no backdoor — and no recovery if you forget it.
Works fully offlineLast-known prices are cached and painted instantly on launch — your whole position is there with no network at all.
Portable backups & local PDF reportsExport a plaintext backup or a designed one-page report, generated on your machine with no service involved.
Your licence is checked offlineLicences are Ed25519-signed and verified entirely on your machine — no activation server, no phone-home, nothing to switch off. The app ships only the public key, so it can verify a licence but never mint one.
Hardened buildPackaged builds run with Electron's security fuses applied and asar integrity validation on — a modified archive refuses to launch.

Own it, don't rent it

One license. Yours to keep.

Comparable portfolio-analytics tools bill you every year, forever. Manticore Finance is a one-time licence — no subscription, no data harvesting, no upsell.

Full License

^€79

one-time · Windows desktop

Early-access price — rising to €120 at v1.0

Every tab & analytics engine, unlocked
Live stocks, ETFs & crypto, plus bonds — no API keys needed
AES-256 encryption & offline mode
Licence verified offline — no account, no server
6 languages, ~30 currencies
14-day money-back guarantee — no questions asked

Request your licence

Card checkout opens shortly — until then, email me and I'll issue your licence directly · Windows 10 / 11 · No account required

How licensing works

Buy your licence

Check out through the payment gateway and give the email address you'd like the licence issued to. Your licence is tied to your name and that address.

Your key arrives by email

Once your payment has been processed, your licence key is emailed to that address. Nothing to set up, no account to create — just the key.

Paste it in, once

Enter the key on first launch and you're done. It's checked offline on your own machine — no activation server, nothing phoning home — and it's perpetual, so it keeps working.

Keep your key somewhere safe — it's your proof of purchase, and it's issued to you by name.

Before you buy

The questions worth asking.

Straight answers, including the awkward one about the free alternatives.

Does it cover European listings?

Yes — Euronext Brussels and Amsterdam, Xetra, the LSE and more, alongside US markets, working out of the box with no setup.

If you'd rather run on your own licensed market data, you can add a free personal key from Twelve Data (US) or a paid one from EODHD (which covers European exchanges) in Settings. Entirely optional: the app is complete without one, and prices are configured for you by default.

How is this different from the free portfolio trackers?

Tools like Portfolio Performance are good, and they are genuinely free — but what they track is a portfolio. Manticore holds your whole financial position: income and recurring expenses, budgets, bank and savings, bonds, debts, a health score and a retirement plan, with the portfolio as one part of it.

If all you want is investment performance, use the free tool — it does that well. If you'd rather have every number in one place, and talking to the others, that's the gap this fills.

Do I need an API key to see prices?

No. Live stocks, ETFs and crypto work immediately, with nothing to configure and no account anywhere.

Adding your own data key is an upgrade, not a requirement — it moves you onto your own licensed feed for more accurate figures if you want that.

Which platforms does it run on?

Windows 10 and 11. There is no macOS or Linux build yet, so if you're on a Mac this isn't for you today — better you know that before paying than after.

What if it isn't for me?

Email within 14 days of buying and you get a full refund, no questions asked and no form to fill in — the same window EU law gives you on any online purchase. You lose nothing by trying it: your data was only ever on your own machine anyway.

Your entire financial
life, in one place.

Markets and money,
finally under one roof.

One score that tells you where you actually stand.

Stocks, ETFs and crypto — refreshing in real time.

Live value, real gains, and the tax angle too.

A Fear & Greed index that shows its work.