Can I open-source Portfolio Coach?
KINDA · partial or early alternativesKinda. Firefly III and Actual Budget cover the core of Portfolio Coach, but they're early or partial — expect gaps like reliable live pricing and UK fund symbol mapping and ledger-backed Vanguard history import.
The core tracker is free to start. Paid AI credits cover the convenient part: a hosted coach already connected to the household's live holdings, while the product maintains pricing, imports, security boundaries, and UK planning logic.
xreliable live pricing and UK fund symbol mapping
xledger-backed Vanguard history import
xsecure cloud accounts, family sharing, and support access
xmaintained UK tax and estate-planning assumptions
xhosted AI reviews with current web context
These projects already replace it, free.
FFirefly IIIPersonal finance manager with budgets, rules, and reports — your money data stays home.open source↗AActual BudgetLocal-first envelope budgeting with multi-device sync and bank import.open source↗What each one is, in full: Firefly III · Actual Budget
no votes, no pay-to-list · just what's real
Portfolio Coach pricing
| plan | monthly | annual (per mo) | what you get |
|---|---|---|---|
| free portfolio tracking | $0 | $0 | Portfolio tracking/planning do not consume credit; £2 AI credit included (about $2.71 at the ECB 2026-08-12 reference rate); no card required |
| ai credit top-ups | custom | — | Prepaid top-ups start at £5 (about $6.76); AI usage is charged at the selected model provider's cost +20% |
free tier£2 of AI credit (about $2.71); portfolio tracking and planning do not consume credit; no card required
billingno subscription; prepaid AI credit top-ups from £5 (about $6.76)
hidden costsAI usage is variable and charged at the selected model provider's cost plus 20%; minimum top-up is £5 (about $6.76).
verified 2026-08-13 · source ↗
Can I open-source Portfolio Coach?
Kinda. Firefly III covers the core of Portfolio Coach, but there are real gaps: reliable live pricing and UK fund symbol mapping, ledger-backed Vanguard history import. Read the honest list above before committing.
How much does Portfolio Coach cost?
Portfolio Coach's pricing is usage-based or varies by plan · The portfolio tracker is free to start; AI use is funded with prepaid credits rather than a monthly subscription..
What do I lose by replacing Portfolio Coach?
Honestly: reliable live pricing and UK fund symbol mapping; ledger-backed Vanguard history import; secure cloud accounts, family sharing, and support access; maintained UK tax and estate-planning assumptions; hosted AI reviews with current web context. If any of those are load-bearing for you, keep paying.
Is there an open-source alternative to Portfolio Coach?
Yes: Firefly III (Personal finance manager with budgets, rules, and reports — your money data stays home.) Actual Budget (Local-first envelope budgeting with multi-device sync and bank import.)