Your entire financial
life, in one place.
A premium desktop app that tracks live stocks, ETFs, crypto and bonds alongside your net worth, budgets and a full suite of institutional-grade analytics — all on your machine, encrypted at rest.
Is Manticore Finance for you?
Are you the type of person who wants to see everything you own in one place? Not your bank's slice of it, not your broker's slice — the whole picture. Shares, ETFs, crypto, bonds, physical gold, property, and what you still owe against it.
The type who plans rather than hopes? Who wants to know what your money does over the next thirty years, not just what it did last quarter — and would rather see the honest number than a comfortable one.
The type who reads the fine print? Who suspects that two funds you own hold the same twenty companies, that a 0.22% fee is not as small as it sounds over three decades, and wants the arithmetic rather than the reassurance.
The type who thinks their finances are nobody else's business? Not a company's, not a cloud's, not an advisor's. Your portfolio never leaves your machine — no account, no sync, nothing to breach.
The type who would rather buy a tool than rent one? One payment, yours to keep, no subscription quietly renewing every year for software you already paid for.
If you recognised yourself more than once, this was built for you.
Localized down to the decimal comma.
Every tab, amount, percentage and date is written the way your language writes it — € 124.458,09 in Dutch, 124 458,09 € in French — using free daily ECB rates, no API key needed.
One app instead of three, plus a spreadsheet.
The honest version. The free portfolio trackers are good, and the budgeting apps are good — at their one thing. Manticore is the only one that holds your whole financial life, locally, for a price you pay once.
| Manticore Finance | Free portfolio trackers (e.g. Portfolio Performance) |
Budgeting apps (Mint, YNAB…) |
A spreadsheet | |
|---|---|---|---|---|
| Whole picture — portfolio, income, budgets, net worth, bonds | Yes | Portfolio only | Budgets only | Only if you build it |
| Institutional analytics — risk & VaR, backtesting, FIRE, scenarios | Yes | Some | No | No |
| Live prices built in | Yes | With setup | Yes | No |
| Runs fully local — no cloud account | Yes | Yes | Cloud account | Yes |
| Price | Once, €79 excl. VAT | Free | Subscription | Free |
| European coverage & 6 languages | Yes | Yes | US-focused | — |
If all you want is portfolio performance, use the free tool — it does that well, and it's free. If you want every number in one place and talking to the others, that's the gap this fills.
Why I built this
After studying finance for years and spending way too much time making overviews, or searching for more tools to calculate ratios and scenarios for my asset portfolios, I felt like it was time to build something that combined everything in one place.
— Lancelot, maker of Manticore Finance
What's new in 1.0.
A one-time purchase that kept growing right up to launch. Every one of these is in the version you buy — no subscription, no upgrade fee.
Accounts and tax wrappers
Say which account each holding lives in — ISA, SIPP, 401(k), Roth, pensioensparen, PEA, PPF and more — and your tax estimate finally reflects reality: anything inside a tax-free or tax-deferred wrapper drops out of the bill. Anything you leave unassigned is treated as taxable, because guessing the other way would flatter your numbers.
Your value since the very first trade
A day-by-day chart of what your portfolio has been worth, rebuilt from your own transaction history and each holding's prices — correct across splits. It starts when you started investing, not when you installed the app.
Bond maths that actually tells you something
Yield to maturity (not just current yield — it counts the pull to par), Macaulay and modified duration, convexity, what a 1% rate move does to your book, and a maturity ladder showing when each slice comes back. The difference between tracking bonds and understanding them.
True time-weighted return
The professional performance number, done properly: your strategy's return with the timing of deposits stripped out — reconstructed daily from your ledger and each holding's history, correct across splits — so you can finally compare yourself to an index on fair terms. Alongside money-weighted XIRR and per-holding contribution.
Your whole net worth, not just the brokerage
Precious metals priced live, real estate linked to its mortgage, private equity, vehicles and collectibles, and read-only BTC/ETH wallets from a public address — every one folded into net worth, your health score and the AI's view. The parts of your wealth other trackers ignore.
Corporate actions that keep your basis honest
Splits, spin-offs, returns of capital and mergers recorded as dated events that rewrite quantity and cost basis correctly — carrying your holding period across an acquisition — so a 2-for-1 never quietly distorts your P&L.
A private document vault & estate handoff
An AES-encrypted local locker for statements and policies, and a one-page estate inventory — beneficiaries plus your full net worth — for the people who would need it. It never leaves your machine.
A private AI analyst for your whole picture
Ask your finances anything, in plain English — powered by your model: a local one (Ollama) that never leaves your machine, or your own OpenAI/Anthropic key. One-click insights and a chat that sees your holdings, cash, debts and cashflow. Read-only, and there's no key of ours in the middle.
See what you really own — ETF look-through
Every ETF broken into its underlying holdings and merged with your direct positions, so you see your true weight in a single company or sector — and where two funds quietly overlap. The paid-tier feature elsewhere, built in here.
A retirement planning studio
Project your portfolio through retirement under different spending rules — a fixed 4%, a percentage, or guardrails — with pensions and one-off life events on a timeline, and a Monte Carlo that shows the odds your money actually lasts. And you can run that Monte Carlo on real market history instead of a tidy bell curve: a century of actual annual returns, resampled in blocks so crashes stay as deep — and as clustered — as they really were.
What your fees really cost you
Fees are the one thing you fully control, and the only one that compounds against you. See the ongoing charge on every fund you hold, the commissions you have actually paid, and the transaction tax your country charges to build the book — then watch what that adds up to over decades. Where a fund does not publish its charge, it says so instead of quietly counting it as zero.
What your portfolio is actually tilted toward
Returns-based style analysis: the mix of value, growth, size and bonds whose behaviour best matches your own. It reads how your money has moved, not what your holdings are called — so a book that feels diversified but tracks large-cap growth says so out loud. And when those styles don't explain you, it tells you that too, rather than dressing up a bad fit.
Before you place the order
Simulate a buy or a sell before you make it: what it does to your concentration, your sectors, your currency mix, your income and your drift from target — plus the transaction tax that order alone triggers. The same engines as the panel next door, so the two can never disagree.
Which pot to spend first
Tax-aware withdrawal sequencing — the thing people pay advisers for. Four drawdown orders simulated on your own pots and ranked on the estate left after the tax still owed on it, because tax paid is a gameable number and a pension pot is not worth its face value.
What your heirs would actually receive
Succession tax is the number a family usually meets at the worst possible moment. Pick your country — including each Belgian region separately, because they genuinely differ — and see the estimate now, split heir by heir. It models the reliefs that actually move the number, including a child under 21, an orphan, and the family home passing to a spouse. An estimate to take to a notary, not a filing, and it still says plainly what it does not model.
The tax you actually pay — in your country
Pick your country and see what the taxman really takes: transaction taxes, tax on dividends (stacked on top of any foreign withholding), and the capital-gains tax you'd owe if you sold today. 35 countries — all of Europe plus the US, India, Singapore and the UAE — each with its own quirks, from Belgium's TOB and the UK's stamp duty to India's STT and the Dutch Box 3. Estimates to hand your accountant, and every rate is editable for your own situation.
Import from a statement, not just a CSV
Paste your broker or bank statement — or drop a PDF — and it reads the transactions into your ledger, right on your machine. No account linking, no open-banking token, no third party ever seeing it. Anything the parser can't read, your own AI model can.
Multi-device sync, encrypted end to end
Point the app at a Dropbox, OneDrive or Google Drive folder and a second machine stays in step. Only the encrypted copy is ever written there — no server of ours in the middle.
Import straight from your broker
Load a transaction CSV and your dated buys and sells become real cost-basis lots — not a single blended average — so FIFO, per-lot P&L and the tax-aware sell planner all work on your actual history.
Dividends, net of withholding tax
Set a withholding rate — globally or per holding, with a starting suggestion by country of domicile — and the calendar shows what actually reaches your account, not just the gross figure.
Institutional-grade risk metrics
Volatility, Sharpe, beta and maximum drawdown, benchmarked against an index — plus a correlation view of how your holdings move against each other.
Portfolio rebalancing
Set a target weight for each holding and get the exact trades to bring your portfolio back in line. Nothing is executed — it's a plan you place yourself.
Bring your own data key
Optional, and free to start: add a Twelve Data or EODHD key to move onto your own licensed feed. An EODHD key also powers the charts, backtest, crash replay and the Fear & Greed index.
And smaller touches throughout — a full light mode, a one-click check for updates, and in-app recovery of a synced backup.
Recommend it, earn from it.
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