A premium desktop app that tracks live stocks, ETFs, crypto and bonds alongside your net worth, budgets and a full suite of institutional-grade analytics — all on your machine, encrypted at rest.
Most tools show you either your portfolio or your budget. Manticore holds live markets, holdings, cash, net worth and forward-looking analytics together — so every number talks to the others.
A single 0–100 health score built from five weighted pillars — savings rate, emergency-fund months, debt, retirement progress and diversification — with a plain-English read that leads with your weakest area.
An auto-refreshing watchlist grouped into Stocks, ETFs and Crypto, each with its own tag. Prices flash green or red as they tick, and one click adds any row straight to your portfolio.
Enter quantity and cost basis to see live value and unrealized P&L grouped by asset class, plus estimated dividend income. Sells record a realized gain or loss and roll up into an all-time figure.
Every number reveals the data behind it — S&P 500 momentum, VIX, safe-haven and junk-bond demand, and 52-week position — computed locally from free market series. Nothing about your portfolio ever leaves your machine.
The kind of tooling a desk analyst reaches for — risk, backtesting, scenario planning and Monte Carlo — built right into the app.
Concentration via the Herfindahl index and "effective positions," allocation by class, sector, region and currency, plus an editable stress test with dollar and percentage hits.
Run your allocation against real historical prices. Lump-sum vs dollar-cost averaging, with final value, total return, CAGR / IRR and max drawdown on a two-line chart.
Save named what-ifs from your real finances — buy vs rent, retire at 55 vs 60 — each a timeline of events projected forward and compared on one chart. Branch and tweak one variable.
Growth projections with inflation-adjusted purchasing power and a 2,000-trial probability simulation, plus a full loan amortization calculator with extra payments.
A two-phase Monte Carlo simulation estimating your FIRE number, years to independence and the odds your money lasts — modeling sequence-of-returns risk, auto-filled from your data.
Per-category budgets — or one total cap across everything — vs actual spend, automatic recurring-expense detection, and a live net worth with history and goal tracking.
No free feed prices a bond by ISIN, so you enter face value, coupon, maturity and price as a % of par — the app derives market value, coupon income, current yield, years to maturity and P&L, and folds it into net worth.
Every position and P&L figure is derived from a pure transaction ledger, with a per-lot view of what you bought and when — so the numbers reconcile instead of being stored and hoped for.
Ctrl+K jumps to any tab, holding or action without the mouse. Export a designed one-page A4 summary of your position — generated locally, no service involved.
No account, no login, no cloud. Everything lives in a local file — and with a passphrase set, that file is genuinely encrypted, not just hidden behind a screen.
Every tab, amount, percentage and date is written the way your language writes it — € 124.458,09 in Dutch, 124 458,09 € in French — using free daily ECB rates, no API key needed.
Comparable portfolio-analytics tools bill you every year, forever. Manticore Finance is a one-time licence — no subscription, no data harvesting, no upsell.
Check out through the payment gateway and give the email address you'd like the licence issued to. Your licence is tied to your name and that address.
Once your payment has been processed, your licence key is emailed to that address. Nothing to set up, no account to create — just the key.
Enter the key on first launch and you're done. It's checked offline on your own machine — no activation server, nothing phoning home — and it's perpetual, so it keeps working.
Straight answers, including the awkward one about the free alternatives.
Yes — Euronext Brussels and Amsterdam, Xetra, the LSE and more, alongside US markets, working out of the box with no setup.
If you'd rather run on your own licensed market data, you can add a free personal key from Twelve Data (US) or a paid one from EODHD (which covers European exchanges) in Settings. Entirely optional: the app is complete without one, and prices are configured for you by default.
Tools like Portfolio Performance are good, and they are genuinely free — but what they track is a portfolio. Manticore holds your whole financial position: income and recurring expenses, budgets, bank and savings, bonds, debts, a health score and a retirement plan, with the portfolio as one part of it.
If all you want is investment performance, use the free tool — it does that well. If you'd rather have every number in one place, and talking to the others, that's the gap this fills.
No. Live stocks, ETFs and crypto work immediately, with nothing to configure and no account anywhere.
Adding your own data key is an upgrade, not a requirement — it moves you onto your own licensed feed for more accurate figures if you want that.
Windows 10 and 11. There is no macOS or Linux build yet, so if you're on a Mac this isn't for you today — better you know that before paying than after.
Email within 14 days of buying and you get a full refund, no questions asked and no form to fill in — the same window EU law gives you on any online purchase. You lose nothing by trying it: your data was only ever on your own machine anyway.