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.
REPLACEMENT BRIEF
personal finance
Can AI replace Portfolio Coach?
EDITORIAL ANSWERKINDACurated prompt
Import or enter family holdings, value them, inspect allocation and projections, then ask an AI for a portfolio review grounded in that data.
Build the personal version →AT A GLANCE
- price
- varies
- replaceable scope
- Import or enter family holdings, value them, inspect allocation and projections, then ask an AI for a portfolio review grounded in that data.
- build time
- weekend for a local version, multi-day for the hosted product
what AI can build
Import or enter family holdings, value them, inspect allocation and projections, then ask an AI for a portfolio review grounded in that data.
A private dashboard for holdings, family members, projections, and CSV imports is a credible weekend build. Reliable live pricing for UK funds, a ledger-correct Vanguard importer, household data boundaries, maintained tax rules, and AI advice grounded in every account turn the complete product into a multi-day project.
The prompt was editor-reviewed; no completed build is recorded.
The honest tradeoff
why people still pay
what you lose
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
Start with existing software
prior art · use these instead of building, if you'd rather
EVIDENCE LEDGER
What this page can prove
The verdict judges replaceability. The evidence level records what DeepFeather actually checked.
evidence level
Curated promptThe prompt was editor-reviewed; no completed build is recorded.
AI credits · usage-based top-up
known limits · reliable live pricing and UK fund symbol mapping; ledger-backed Vanguard history import
Build promptreviewed prompt · not run
the prompt
Curated promptBuild me a local-first UK family portfolio tracker like Portfolio Coach. Requirements: - Next.js 16 App Router + TypeScript, Tailwind, better-sqlite3, and Recharts; run locally with `npm run dev` and bind to localhost only. - Model household members, accounts, and UK wrappers: ISA, SIPP, GIA, pension, cash, bonds, and property with mortgages. - Holdings need ticker, units, cost basis, currency, manual price, and optional market price. Always show the quote source and last-updated time. - Add a CSV importer with saved column mappings and dedupe on a stable row hash. Include a mapping for a documented Vanguard transaction CSV example. - Dashboard: household net worth, value by person, allocation, wrapper split, concentration warnings, gain/loss, and stale-price warnings. - Add editable monthly contributions and a projection chart with retirement age, growth, inflation, withdrawals, and planned gifts as explicit assumptions. - Add a UK planning page for ISA/SIPP/GIA balances and an indicative inheritance- tax snapshot. Keep thresholds in one dated config file and label this as informational, not financial or tax advice. - Add an AI review that sends only the calculated portfolio summary to an OpenAI-compatible API. Put secrets in `.env.local`; work without AI too. - Store everything in one local SQLite file and add an encrypted JSON export plus a dated backup command. Include a realistic seeded demo household. - No accounts, telemetry, broker logins, automatic bank sync, or cloud sharing. Out of scope: regulated advice and production-grade real-time fund pricing. - README with setup, CSV format, backup/restore, data limitations, and the exact assumptions used by projections and tax estimates.
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questions
Can AI replace Portfolio Coach?
Possibly for a narrower core workflow, but this catalog judgment is not a verified build. Expected gaps include: reliable live pricing and UK fund symbol mapping, ledger-backed Vanguard history import. Validate the prompt against your own acceptance criteria before committing.
How much does Portfolio Coach cost?
Portfolio Coach's pricing is usage-based or varies by plan. Use the linked pricing source for the current amount; the catalog last checked it on 2026-07-31.
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 — Ghostfolio (Open-source wealth management software with portfolio analytics), Portfolio Performance (Open-source desktop portfolio tracker with detailed performance analysis). Using prior art is also a valid exit; the prompt is for when you want it exactly your way.