wealthfolio/wealthfolio v3.10.0 on GitHub

3.10.0 introduces a new calculation engine and adds cost basis methods, loan tracking and encrypted cloud backups.

Highlights

New portfolio engine. Holdings, cash, valuations and returns now come from one engine on desktop, mobile and the server. It fixes many edge cases in transfers, shorts, splits, FX and rounding. (#1847, #1875, #1880, #1894, #1897, #1905, #1923, #1990)
Cost basis methods. Each transaction-tracked account can use FIFO, weighted average cost (WAC), LIFO or HIFO. Not yet supported: cross-account ACB and picking specific lots. (#1872, #1898, #1904)
Loans and mortgages. A liability can be tracked as a loan, with an amortization schedule, payments from a cash account, extra repayments, renewals and confirmed balances. (#1868, #1869, #1888, #1895, #1900, #1903, #1909, #1991)
Encrypted cloud backups for Wealthfolio Connect subscribers: a daily backup of one profile, plus Back up now. Backups are encrypted before upload, so the cloud only sees ciphertext, and can be up to 256 MiB. Restore works on desktop only; the web server restores with the offline CLI. (#1918, #1980)
Return of capital and notional distributions adjust cost basis instead of counting as income. (#1902)
Money flow chart in Spending Insights. You can zoom into a category's subcategories, and subcategories also show in the spending plan. (#1935, #2004)
AI agent (MCP) tools for linking transfers, importing quotes, updating activities and categorizing transactions. (#1896, #1911, #1913, #1937)

Upgrading

The first launch recalculates your history, after making a backup. On a 13-account portfolio this took about 20 seconds.
Where the old calculation was wrong, some derived numbers can change slightly: cost basis, realized gains and past values. Your activities and prices are not changed.
If you use device sync, update all your devices. 3.9.1 can't calculate accounts set to WAC, LIFO or HIFO, or read the new return-of-capital entries.
Self-hosting needs no configuration changes.

Improvements

Activities: clicking a row opens it for editing. Duplicating an activity uses today's date and keeps its notes. (#1864, #1929)
CSV import: investment imports no longer require an Amount column. (#1528, #1979)
Transfers: credit card accounts can send cash transfers, and a cash transfer can use a different currency on each side. (#1796, #1901)
Exchanges come from the full ISO 10383 list. Four old non-standard exchange codes are updated. (#1828)
Custom price providers: new ones apply only to the securities assigned to them. Existing ones keep their fallback. (#1887, #1921)
Investments dashboard: filter by a saved portfolio; the choice is remembered per profile. (#1940)
Hidden accounts count in their group's total. (#1428, #1882, #1917)
Health Center flags accounts with negative cash. (#1926)
Long performance charts load faster. (#1930)
Backups: a simpler Backups tab. (#1971, #1826)
Connect moves above Settings in the desktop sidebar, with links where data is entered by hand. The Sync & Connections page is redesigned around what needs attention. Broker sync requests now include each account's type and the broker's account label, which Connect stores to diagnose mapping problems. (#1984, #1995, #1941)
Spending: merchant rules for France, Germany and the Netherlands. (#1829, #1998, #1997)
Formatting regions: India, Austria, Romania and Bulgaria are new. (#1968, #1908)
Windows: installers are signed (Teymz Inc.). SmartScreen may still warn for a while. (#1910)

Fixes

Asset and loan details: unsaved edits are no longer reset by a background portfolio update. (#1994)
Linux AppImage: no longer opens a blank window on distributions with recent Mesa, such as Ubuntu 26.04. It now runs natively on Wayland; set GDK_BACKEND=x11 to use X11. (#223, #2005)
Connect: a brief connection drop no longer signs you out. "Last synced" now shows when sync last ran, not the broker's latest activity date. (#1843, #1995)
Self-hosted server: CSV imports over 2 MB (a few thousand rows) no longer fail with 413 Payload Too Large, and an unusable secrets file gives a clear error. (#2000, #1932, #1886)
Fund classification: ETFs no longer show part of their value as Unknown in Sectors. Weights reported above 100% (rounding or leverage) are read correctly, and a fund's sectors are saved together. (#1854, #1855)
Asset pages: after a full transfer to another account, income and gains from both accounts are shown, not only the receiving account's. (#1919)
Accented, Chinese or emoji characters no longer make some operations fail: AI assistant replies, holdings export, symbol search, and entering or importing activities whose symbol contains them. (#1879)
Transactions: the table remembers which columns you show. (#1999)
Benchmarks: all-time benchmarks start where your accounts start. (#1933)
Bonds: a synced bond reported by CUSIP and by ISIN stays one security. Treasury prices are no longer calculated from incomplete terms. (#1838, #1891)
Quotes: the quote CSV import shows the server's error, no longer gets stuck after a failed import, and no longer mixes up two files picked one after the other. An Open, High or Low left untouched saves as the close. (#1950, #1951, #1966, #1973, #1993, #1994)
Mobile: Theme "System" follows the phone. Editing a quote keeps focus in the field and saves. (#1959, #1685, #1989)
Linux: the app starts with a C or POSIX locale. (#1726, #1876)
Desktop: the database is closed cleanly on exit. (#1890)
Recovery screen: when the device's secure storage is locked, it suggests unlocking it and trying again before restoring a backup. (#1996)
Schwab "as of" dates import correctly. (#1878)
Spending: completed months compare against the full previous month, and savings categories appear in the rule editor. (#1858, #1827)
AI assistant and MCP: activities added west of UTC keep their date, and imports report failed rows correctly. (#1892)
Dependencies: security updates. (#1899, #1927)
Other: fixes to layout, translations, toasts, transfer editing, and navigation after a page error. (#1755, #1798, #1964, #1981, #1846, #1865, #1893, #1928, #1955, #1914)

Thanks to everyone who contributed and reported issues, including @jay-tau, @daviddphillips, @theluckystrike, @kryofin, @Jonjon-prog, @Bubbles840, @tiann, @salmonumbrella, @oliviertassinari, @markrickert, @kinhsman, @giovacalle, @bogdanr, @blastik, @Neallin-917, @DamienKCorp and @taufderl.

Full changelog: v3.9.1...v3.10.0

What's Changed

release: prepare 3.9.2 backup and diagnostics fixes by @afadil in #1826
fix(spending): show savings categories in rule editor by @afadil in #1827
docs(self-host): clarify database encryption requirement by @afadil in #1831
feat(market-data): resolve exchanges with ISO MIC catalog by @afadil in #1828
fix(profiles): recover sessions after transient connection failures by @afadil in #1843
fix: align bond identity, Treasury pricing, and Docker profile paths by @afadil in #1838
fix(desktop): preserve exit status with Tauri 2.12 by @jay-tau in #1842
fix(dev,network): allow development-mode addons to make declared whitelisted network calls by @markrickert in #1845
fix(spending): compare completed months in full by @Neallin-917 in #1858
fix(classification): replace auto assignments atomically per taxonomy by @daviddphillips in #1855
fix(classification): preserve provider fractional weights by @daviddphillips in #1854
fix(frontend): stretch pinned add-on sidebar items to full width by @kinhsman in #1846
feat(portfolio): replace the portfolio calculators with the portfolio engine by @afadil in #1847
feat(engine): per-account cost basis method behind one relief seam by @afadil in #1872
fix(formatting): fall back when the system locale is unusable by @afadil in #1876
fix(portfolio): read accounting settings per account and strictly by @afadil in #1875
fix(import): read Schwab "as of" dates instead of an epoch date by @afadil in #1878
fix(activities): store a type override as it reads on every write by @afadil in #1877
fix: stop byte-offset string cuts from panicking on non-ASCII text by @afadil in #1879
fix(portfolio): keep history reads off the async workers by @afadil in #1880
chore(lint): reject unwrap and panic outside tests by @afadil in #1884
fix(storage): keep database ownership until pooled connections close by @afadil in #1886
feat(custom-provider): use custom providers only for their assigned securities by @afadil in #1887
feat(loans): track loans and mortgages with a shared dated engine by @afadil in #1868
feat(loans): check and apply loan actions in Rust by @afadil in #1869
feat(loans): pay loans with withdrawals from a cash account by @afadil in #1888
fix(desktop): release the profile database before exit by @afadil in #1890
fix(market-data): prevent Xetra-Gold from being classified as a bond by @afadil in #1891
fix: keep bare activity dates on their day and report failed MCP imports by @afadil in #1892
fix(engine): split-rounding dust in lot relief and transfer covers; carry P-HOLD snapshots across splits by @afadil in #1894
fix(engine): net a transfer pair whose sender falls short by a rounding by @afadil in #1897
feat(engine): add weighted average cost (WAC) as a per-account cost basis method by @afadil in #1898
feat(loans): own loan writes in Rust and count each repayment once by @afadil in #1895
feat(mcp): find, link and unlink transfers by @afadil in #1896
feat(loans): give Holdings cards each loan's summary from its valuation by @afadil in #1900
fix(engine): count expiry and transfer-cover P&L, and carried charges once, in attribution by @afadil in #1905
fix(loans): review follow-ups: statuses, form errors, escrow and payment dates by @afadil in #1903
feat(engine): add LIFO and HIFO cost basis methods by @afadil in #1904
fix(deps): patch dependency security vulnerabilities by @afadil in #1899
refactor(loans): date payments in core, not in storage by @afadil in #1909
test(e2e): make the loan lifecycle and loan editing specs deterministic by @afadil in #1912
feat(mcp): preview and save reviewed historical quotes by @afadil in #1911
feat(mcp): preview and apply updates to existing activities by @afadil in #1913
fix: Health Center crash on an oversold transaction, and keep navigation usable when a page fails by @afadil in #1914
fix(spending): load transfer counterpart when editing from the Spending tab by @giovacalle in #1755
fix(account): show activities for hidden accounts on the account page by @kryofin in #1882
fix(account): keep a hidden account editable from its own page by @afadil in #1917
fix(activities): allow independent currencies for cash transfers by @tiann in #1901
ci(windows): sign installers with Azure Artifact Signing by @afadil in #1910
fix: preserve asset income after account transfers by @afadil in #1919
fix: generate unique selectors for detected HTML prices by @afadil in #1921
fix: preserve LF line endings for snapshot fixtures by @afadil in #1922
fix(spending): translate cash activity type labels by @Jonjon-prog in #1865
feat(engine): returns of capital and notional distributions by @daviddphillips in #1902
feat(connect): add encrypted cloud backups and direct snapshot transfers by @afadil in #1918
fix(health): detect unfunded buys and link negative balances by @afadil in #1926
ci: seed the PR Rust cache on main and stop per-PR cache writes by @afadil in #1925
feat(spending rules): categorization rules for France by @DamienKCorp in #1829
fix(engine): an account that has not started no longer blanks a scope's performance by @afadil in #1923
fix(goals): translate goal, plan and funding toasts by @theluckystrike in #1893
fix(deps): bump proxy-addr and source-map-js to patched releases by @afadil in #1927
fix(activities): use today and preserve notes when duplicating by @afadil in #1929
fix(goals): show one toast when saving a save-up plan by @afadil in #1928
fix(performance): stop the chart's hidden vertical grid from blocking first render by @afadil in #1930
feat(activities): allow transfers out of credit card accounts by @Bubbles840 in #1796
fix(performance): start all-time benchmarks where the accounts start by @afadil in #1933
fix(server): diagnose an unusable secrets file behind profile deletion failures by @afadil in #1932
feat(spending): money flow Sankey on Where I am by @afadil in #1935
feat(dashboard): filter investments by saved portfolio by @afadil in #1940
ci: keep every build on the repo's Node and pnpm versions by @jay-tau in #1943
ci: drop the pnpm cache from PR checks by @jay-tau in #1958
ci(rust): stop per-PR Rust cache saves by @jay-tau in #1945
feat(connect): send account context with brokerage activity requests by @afadil in #1941
fix(settings): follow the system theme on mobile by @jay-tau in #1959
ci(docker): reuse compiled dependencies from a GHCR registry cache by @jay-tau in #1946
fix(docker): refresh the final stage when storage hosts change by @jay-tau in #1957
fix(quotes): show the backend error when a quote CSV import fails by @jay-tau in #1950
fix(build): don't watch a missing .env in build scripts by @jay-tau in #1953
fix(android): stop initializing ndk-context twice at launch by @afadil in #1961
refactor(frontend): rename adapter isDesktop to isTauri by @afadil in #1962
fix(quotes): send the custom provider code with existing-asset search results by @jay-tau in #1951
fix(settings): use one desktop window check for every theme mode by @afadil in #1963
test(server): keep SYSTEMROOT after env_clear in child-process tests by @theluckystrike in #1938
feat(backups): simplify the Backups tab and fix cloud restore in dev builds by @afadil in #1971
fix(mcp): Show "AI Agent Access" when available by @oliviertassinari in #1955
build: optimize portfolio-engine and rust_decimal in test builds by @jay-tau in #1972
fix(dashboard): count hidden accounts in group stats, keep groups of one by @kryofin in #1428
feat(mcp): save reviewed transaction categories by @salmonumbrella in #1937
fix(quotes): stop the quote CSV import wizard from mixing up files by @jay-tau in #1973
fix(import): make amount optional for investment CSVs by @jay-tau in #1528
test(settings): mock usePlatform in the settings layout test by @afadil in #1978
fix(quotes): stop the import progress timer when a quote import fails by @jay-tau in #1966
fix(ui): keep dialog and side-sheet max-width between 640 and 1024 px by @afadil in #1964
feat(settings): add India as a formatting region by @jay-tau in #1968
fix(import): list amount as optional in import help by @afadil in #1979
ci: run the Windows IPC test step explicitly in PowerShell by @jay-tau in #1965
feat(activity): open a row for editing when it is clicked by @Jonjon-prog in #1864
fix(ui): preserve page scroll when activity tabs mount by @afadil in #1981
fix(mobile): number inputs stealing focus back to date pickers by @blastik in #1685
fix(activities): treat the reserved cash symbol as cash on save paths by @Bubbles840 in #1798
feat(backups): back up to the cloud on demand by @afadil in #1980
feat(connect): add discreet Connect account links by @afadil in #1984
ci(docker): pin tonistiigi/xx to 1.10.0 by @jay-tau in #1985
feat: add Austria, Romania and Bulgaria formatting regions by @bogdanr in #1908
fix(holdings): count realized P&L from a short covered by a transfer in by @afadil in #1990
fix(mobile): save quotes from the mobile quote editor by @afadil in #1989
fix(loans): preserve manual liability origination and balances by @afadil in #1991
fix(quotes): disable the exiting import preview by @Neallin-917 in #1993
fix: release QA findings for 3.9.2 (loan details reset, quote zeros, Android status bar, restore dialog, first-run job, E2E isolation) by @afadil in #1994
feat(connect): redesign Sync & Connections and fix its sync status by @afadil in #1995
fix(desktop): suggest unlocking secure storage before backup recovery by @afadil in #1996
fix(activity): persist transaction column visibility by @afadil in #1999
fix(import): accept import requests larger than 2 MB by @taufderl in #2000
feat(spending): show subcategories in the money flow and spending plan by @afadil in #2004
fix: update Tauri (CLI 2.12.2, runtime 2.12.3) for Linux AppImages and Xcode 27 by @afadil in #2005
feat(spending): add Dutch categorization preset by @taufderl in #1997
feat(spending): add German categorization preset by @taufderl in #1998
chore(release): bump version to 3.10.0 by @afadil in #2006

New Contributors

@jay-tau made their first contribution in #1842
@daviddphillips made their first contribution in #1855
@kinhsman made their first contribution in #1846
@giovacalle made their first contribution in #1755
@tiann made their first contribution in #1901
@theluckystrike made their first contribution in #1893
@Bubbles840 made their first contribution in #1796
@oliviertassinari made their first contribution in #1955
@salmonumbrella made their first contribution in #1937
@bogdanr made their first contribution in #1908
@taufderl made their first contribution in #2000

Full Changelog: v3.9.1...v3.10.0