Portfocino

Do you actually know what you are worth? Most people can name their salary and their mortgage, and then guess at everything else - the flat, the pension, the shares, the gold in the drawer, the money a friend still owes them. Portfocino puts all of it in one picture: a single ring showing where your money actually sits, with your net worth in the middle.

It is a desktop app for your Mac, not a website. There is no account to create, no bank to connect, and nothing is uploaded anywhere. Your portfolio is one file on your own disk that you can put a password on and back up like any other file. Nothing is uploaded, and nothing else is needed to open it.

Highlights

1. One ring, your whole net worth - every asset class becomes a slice you can hover or click, with the total and the change since your last snapshot right in the centre.
2. Twenty kinds of wealth, not five - cash, term deposits, shares, funds, bonds, crypto, property, gold, commodities, pensions, startup equity, art, vehicles, loans you have made and policies you hold, with mortgages, loans and cards subtracted to give a true net figure.
3. Property gets a proper form - address, floor area, purchase price, current valuation, ownership share, title number, tenant, rent, annual costs and the mortgage it is tied to. Not a single line in a spreadsheet.
4. Live prices when you ask for them - one button fetches current quotes for your shares, funds, coins and bullion. Nothing runs in the background, nothing phones home on a timer, and a failed fetch keeps the last known price instead of wiping it.
5. Any currency, one honest total - hold euros, dong and dollars side by side. If a rate is missing, Portfocino says so and leaves that holding out rather than quietly pretending a euro is a dollar.
6. Watch it grow - every save records that day's net worth, so the change over a week, a month or a year is measured against something real, never estimated.
7. Several portfolios at once - yours, the family's, the business, each in its own window with its own file and its own title bar.
8. A file you own - one self-contained document that lives exactly where you put it. Copy it to a drive, keep it in a backup, move it to a new Mac; it is a file, and it behaves like one.
9. A password, if you want one - putting one on a portfolio encrypts every holding, every figure and every photo inside it. Without that password the file gives up nothing but its own name, and there is no back door: it cannot be reset or recovered by anyone, including us. On a Mac with Touch ID you can open it with a fingerprint instead.
10. Keep the paperwork with the asset - attach a photo of the flat, the deed, the purchase receipt or a screenshot of a statement to the holding it belongs to. They live inside the same file, encrypted along with everything else, so the record and the proof never get separated.

How it works

Open Portfocino and it asks whether you want a new portfolio or an existing one. Choose where the file lives, decide whether it gets a password, and you get an empty ring waiting to be filled. Press Add holding, pick what you are adding - a bank account, an apartment, some Bitcoin - and fill in a form written for that particular kind of thing.

The ring fills in as you go. Click a slice to see just that class. Press Update prices when you want today's numbers. Press Save, and this day's net worth joins the history behind the chart.

Perfect for

1. Anyone whose money is spread across more than one account, country or currency
2. Property owners who want the flat and the mortgage in the same picture
3. Long-term investors tracking a portfolio they do not trade every day
4. Families keeping one shared view of what the household owns and owes
5. Anyone who would rather keep their financial life on their own machine than in someone else's cloud