OpenAltFinder

Best Free & Open Source Alternatives to Personal Capital

Compare 1 open-source Personal Capital alternative including SALARY-2045

If you're looking for the best open-source alternative to Personal Capital; SALARY-2045 is a strong place to start.

#1 SALARY-2045

SALARY-2045

A self-hosted dividend portfolio tracker built with Flask that helps long-term investors track passive income, portfolio health, and progress toward financial independence.

SALARY-2045 is a self-hosted dividend portfolio tracker designed for young investors building a passive income portfolio. It runs entirely on your machine with no subscriptions or cloud dependencies.

The app provides a comprehensive dashboard for tracking dividend income and portfolio health:

  • Overview: Live portfolio snapshot with total value, annual dividend income, yield on cost, forward yield, and beta vs S&P 500.
  • Holdings: Per-position breakdown with current price, gain/loss, dividend yield, annual income, payout ratio, and dividend safety score.
  • Diversification: Sector and industry allocation charts to identify concentration risk.
  • Income: Annual and monthly dividend breakdown by holding with historical trends.
  • Calendar: 12-month forward projection of expected dividend payments.
  • Goals: Set annual passive income targets and track milestone progress.
  • Performance: Portfolio returns vs benchmark over time.
  • Dividend Predictor: 12-quarter forward projection using historical CAGR with adjustable growth assumptions.
  • Stock Deep-Dive: Per-stock financials including revenue, net income, EPS, FCF, payout history, profit margins, and analyst estimates.

Data is sourced from yfinance and Alpha Vantage (free tier). The app caches financial data for 90 days to avoid redundant API calls. Docker support is included for easy deployment.

Compared to Personal Capital / Empower, SALARY-2045 is focused specifically on dividend income tracking and forward projections rather than broad net worth aggregation. It keeps all your financial data local and private.

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Frequently Asked Questions

Are there any open source alternatives to Personal Capital?

Yes, there are 1 open source alternatives to Personal Capital. Popular options include SALARY-2045. These alternatives are free to use and many offer self-hosting options.

What is the best free alternative to Personal Capital?

The best free alternative to Personal Capital depends on your specific needs. SALARY-2045 is a popular choice with self-hosting capabilities. All alternatives listed here are open source and free to use.

Can I self-host an alternative to Personal Capital?

Yes, 1 of the alternatives listed here can be self-hosted, giving you complete control over your data and privacy.

Why should I switch from Personal Capital to an open source alternative?

Open source alternatives to Personal Capital offer several advantages: no vendor lock-in, complete data ownership, no subscription fees, the ability to self-host for privacy and security, and active community support. You can also customize the software to fit your specific needs.

Personal Capital

Personal Capital

Personal Capital (now Empower) is a free financial dashboard and portfolio tracking tool that aggregates all your accounts to show net worth, asset allocation, and retirement planning. It is widely used for tracking investment portfolios and analyzing fees.

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