Your complete financial picture, self-hosted and private.
MyFi Planner is a personal finance app built for Australians who want full visibility of their wealth — shares, super, property, cash, and budget — without handing their data to a third party. Run it yourself, invite your family, and actually understand where you stand financially.
Most finance apps either connect to your bank (storing your credentials on someone else's server), charge a monthly subscription, or only track one thing. MyFi Planner is different:
- Self-hosted — your financial data stays on your own machine
- No subscriptions — run it forever for free
- Family-ready — invite partners, family members, or friends; everyone gets their own private account
- Australian-first — ASX prices, AUD, franking credits, superannuation, FIRE planning built around Australian tax and super rules
- Everything in one place — shares, property, super, cash, budget, and FIRE projections all talk to each other
Track every buy, sell, dividend, and DRP across multiple portfolios. Live and historical prices from Yahoo Finance. Multiple portfolio types supported.
- Real-time prices with automatic daily sync
- Portfolio value chart at the top of each portfolio — Market Value, Invested, and Income series with 1M / 3M / 6M / 1Y / All range selector
- 30-day sparklines — mini price chart per holding showing direction at a glance (green/red)
- Cost basis lots — expand any holding to see FIFO cost parcels: purchase date, quantity, cost per unit, unrealised gain/loss, days held, and CGT 50% discount eligibility
- Capital gains tracking with FIFO cost basis
- Dividend income with per-payment franking credits and grossed-up amounts; all-time franking credit total on the portfolio dividends card
- Auto dividend sync — pulls 3 years of dividend history from Yahoo Finance into a review inbox, with per-payment franking % fetched per payment
- Pending inbox — review, edit, and confirm synced dividends before they hit your ledger; supports cash account crediting and DRP toggle per row
- Per-ticker DRP flag — mark a holding as DRP-registered so incoming dividends default to reinvestment
- Term deposits — separate portfolio type with principal, rate, term, and accrued interest tracking; start date, end date, and term months sync bidirectionally; early close supported with optional transfer to a savings account
- Multiple portfolios — personal account, partner's account, SMSF
- Import transactions by forwarding broker emails, pasting email text, uploading a
.emlfile, or entering manually - CSV export for records or tax time
One screen showing your complete financial picture: what you own, what you owe, and how it has changed over time.
- Net worth history chart built from actual dated data — not just dashboard visits
- Sold properties correctly drop out of history at their sale date
- Mortgage balances amortize through history (P&I formula) rather than showing as a flat line
- Asset breakdown view showing shares, super, property, and cash separately
Asset classes tracked:
- Investment portfolios (live market prices)
- Superannuation balances (with dated history for graphing)
- Properties (with value history, capital gain, mortgage amortization)
- Cash accounts and savings (with dated balance history)
- Mortgages and liabilities
Track residential and investment properties through their full lifecycle.
- Value history with chart
- Capital gain (current value vs purchase price / cost base)
- Mortgage balance amortization — P&I and interest-only supported
- Partial ownership support for jointly held properties
- Property sale flow — record sale price, sold date, and optionally credit proceeds to a cash account; mortgage liability is cleared; sold properties still appear in historical net worth up to the sale date
- Unsell — reverse a sale, restoring the property, mortgage balance, and cash account to their pre-sale state
- CGT calculation on disposal (with 50% discount for assets held >12 months)
A full Australian tax picture — CGT events, dividend income, and estimated liability — across all portfolios.
- Capital Gains Tax — disposals of shares and investment properties, with 50% discount for assets held >12 months, capital losses, and net assessable gain
- Dividend income — cash received, franking credits, and grossed-up totals per ticker
- Franking credits callout — prominent FY total on the tax page showing the offset available to claim against income tax
- Estimated dividend tax liability — select your marginal rate (34.5% / 39% / 47% / 49%) and see gross tax, franking offset, and net payable or franking refund
- Tax-loss harvesting analysis — identifies positions with unrealised losses that could offset your capital gain before 30 June
- Per-portfolio CGT and dividend drill-downs
- PDF export
Record your balance at any point and graph your fund's actual performance over time. Feeds directly into FIRE projections.
Answer the question every Australian investor wants to know: when can I stop working?
Enter your target annual spend, expected return, and super growth rate. MyFi Planner projects your portfolio forward month by month.
- Super modelled separately at its own growth rate
- Inheritance and windfall modelling — see if an expected inheritance brings your FIRE date forward
- Inflation-adjusted projections
- Configurable withdrawal rate, return rate, and inflation
Set monthly budgets per category and track actual spending. Comes pre-loaded with 23 Australian default categories.
- Budget vs actual bar chart per category
- Spending breakdown donut by group
- 12-month trend
Import transactions from broker confirmation emails without any integrations or credentials.
- Paste email text directly into the app
- Upload a
.emlfile - SMTP relay — forward emails from your email client to the local SMTP server (port 2525) for automatic parsing
- Supports Stake, CommSec, and other common broker email formats
- Editable franking %, DRP toggle, and cash account crediting in the review UI
Ask questions about your own finances in plain English. The AI knows your portfolio, net worth, FIRE progress, and budget.
Bring your own API key for Claude, GPT-4, or Gemini. Keys are stored per-user and never shared.
Set a target price on any stock and get notified when it crosses the threshold.
Light and dark mode with 8 colour themes: Classic Indigo, Wall Street Gold, Bull Market Emerald, Fox Orange, Dolphin Cyan, Flamingo Rose, Night Owl Violet, Wolf Slate.
MyFi Planner runs as a single Docker Compose stack.
git clone https://github.com/ben0551/myfi-planner.git
cd myfi-planner
cp .env.example .env# Generate with: openssl rand -base64 32
AUTH_SECRET="your-random-secret-here"
DOMAIN="myfi.yourdomain.com"
DB_PASSWORD="pick-a-strong-password"
ADMIN_EMAIL="you@example.com"
ADMIN_PASSWORD="your-admin-password"docker compose up -d --buildThe database schema is created automatically on first boot and the admin account is seeded. Visit your domain and log in.
Go to Admin (in the user menu, top right) to manage accounts. Share your URL — others can register and you approve their account before they can log in.
# Backup
docker compose exec db pg_dump -U myfi myfi > myfi-backup-$(date +%Y%m%d).sql
# Restore
docker compose exec -T db psql -U myfi myfi < myfi-backup-20250101.sqlMyFi Planner exposes a REST API used by its own frontend. You can also call it directly with an API key for automation or integration with other tools.
See API.md for the full reference.
Is my data private? Yes. Everything runs on your own hardware. The only outbound calls are Yahoo Finance for stock prices, MarketIndex for franking data, and whichever AI provider you configure.
Can my partner or family members use it? Yes. Each person has their own account with completely separate, private data.
Does it work for non-ASX stocks? Mostly yes — Yahoo Finance covers most global exchanges. Franking credits are ASX-specific.
What if I skip the AI key? The AI Chat feature will show a prompt to configure a key. Everything else works normally.
Do I need a domain? Not strictly — you can run it on your local network by IP address. A domain gives you HTTPS via Let's Encrypt through Traefik.
- CSV bulk import for transactions
- Tax report PDF export
- Dividend auto-sync from Yahoo Finance
- Property sale / unsell with CGT and mortgage reversal
- Estimated dividend tax liability with franking offset
- Email import (paste, .eml upload, SMTP relay)
- FIFO cost basis lots with CGT discount indicator
- Term deposit early close with savings account transfer
- Franking credits total on portfolio and tax pages
- Bank feed integration (read-only)
- Shared household view — combined net worth across family accounts
- Automated franking % per payment from a reliable data source
Self-hosted. No subscriptions. Your data stays yours.