Accounts

Native macOS SwiftUI app for tracking personal cash and investments in one place, with GBP as the headline reporting currency.

What It Does

• Tracks UK bank accounts and supported credit cards through TrueLayer Open Banking
• Tracks investment accounts from either:
  • CSV files as the account source of truth
  • SnapTrade sync for supported brokerages
• Prices equities, ETFs, and funds with Financial Modeling Prep
• Stores analyst consensus ratings for supported stocks and ETFs via StockAnalysis
• Converts non-GBP holdings to GBP for portfolio totals
• Shows per-account detail and a combined overview

Current account sources:

• TrueLayer: bank/current accounts and supported credit cards
• CSV File: investment and fund accounts
• SnapTrade: supported brokerage investment accounts

Current Model

Bank accounts

• A bank connection is stored as one app account
• Multi-currency balances remain grouped under that account
• The headline value is converted to GBP
• Account detail shows:
  • per-currency balances

Credit cards

• A TrueLayer card connection is stored as one app account
• Card balances are treated as liabilities and stored as negative balances
• The headline value reduces net worth in the same way as other negative cash balances
• The connection flow is shared with bank accounts, using the provider's normal authentication and 2FA

Investment accounts

• Holdings and cash are stored separately
• Headline value is shown in GBP
• Mixed-currency accounts also show the original currency breakdown
• For CSV-backed accounts, the CSV is the source of truth and can be re-imported
• Holdings can show open P&L percentage when an average purchase price is available
• Analyst consensus ratings are cached in shared security metadata when available

Requirements

• macOS 14+
• Xcode 16+
• XcodeGen

Credentials

Credentials are entered in-app via Settings and stored locally in:

• ~/Library/Application Support/Accounts/credentials.json

They are not committed to the repo.

Supported credentials:

• FMP API Key
• TrueLayer Client ID
• TrueLayer Client Secret
• SnapTrade Client ID
• SnapTrade Consumer Key

Build

The checked-in source of truth is project.yml. Generate the Xcode project first:

xcodegen generate

Build from the command line:

xcodebuild -project Accounts.xcodeproj -scheme Accounts -destination 'platform=macOS' build

Release build:

xcodebuild -project Accounts.xcodeproj -scheme Accounts -configuration Release -destination 'platform=macOS' build

Open in Xcode:

open Accounts.xcodeproj

The default bundle identifier in project.yml is io.github.le-big-mac.accountsmanager. If you plan to sign or distribute your own build, change it to an identifier you control.

Running

Run from Xcode, or launch the built app from DerivedData after a successful build.

The app uses a custom URL scheme for auth callbacks:

• accounts://truelayer-callback
• accounts://snaptrade-callback

Install

For personal use on the same Mac, build Release and copy Accounts.app into /Applications.

The app's data is stored outside the app bundle, so replacing the installed app does not remove:

• ~/Library/Application Support/Accounts/Accounts.store
• ~/Library/Application Support/Accounts/credentials.json

Those files contain your local data and credentials and are not affected by replacing /Applications/Accounts.app.

Data Storage

SwiftData store:

• ~/Library/Application Support/Accounts/Accounts.store

Legacy migrations:

• older builds may have used ~/Library/Application Support/default.store
• current builds migrate that legacy store into the app-specific path above on launch

Debug log:

• ~/Library/Application Support/Accounts/debug.log

Debug logging is disabled by default. To enable it for a debug run:

ACCOUNTS_DEBUG_LOG=1

The repo ignores local credentials, logs, and store files via .gitignore.

CSV Import

CSV-backed investment accounts are intended to use one file per account as the persistent source of truth.

Current preferred format is a generic portfolio CSV with one header row and one row per holding or cash balance.

Expected columns:

• name
• assetClass
• units
• currency
• optional averagePurchasePrice
• optional ticker
• optional isin
• optional sedol

Rules:

• assetClass should be one of cash, stock, etf, fund, or gilt
• non-cash rows become holdings
• cash rows become cash balances
• for cash rows, the amount is stored in units
• currency is the holding price currency or the cash currency
• averagePurchasePrice is optional and stores per-unit cost basis for open P&L display
• ticker, isin, and sedol are optional, but at least one identifier is useful for live pricing
• gilt rows use units as nominal held
• gilt prices refresh from Hargreaves Lansdown by sedol; currentCleanPrice is optional and is mainly an exported cached value
• gilt HTM calculations use dirtyPricePaid per GBP 100 nominal as the cost basis

Example:

name,assetClass,units,currency,averagePurchasePrice,ticker,isin,sedol,currentCleanPrice,couponRate,maturityDate,settlementDate,cleanPricePaid,dirtyPricePaid,couponDates
FTSE Global All Cap Index Fund Accumulation,fund,36.9627,GBP,252.40,VAFTGAG,GB00BD3RZ582,
Apple Inc,stock,12,USD,182.15,AAPL,US0378331005,
USD Cash,cash,18003.45,USD,,,,
GBP Cash,cash,130.12,GBP,,,,
1% Treasury Gilt 2032,gilt,10000,GBP,,,,GB00BM8Z2S21,93.40,1%,2032-01-31,2026-04-29,92.80,93.15,31 Jan;31 Jul

For conventional gilts:

• couponRate is the annual coupon rate; 1%, 1, and 0.01 are accepted
• maturityDate and settlementDate accept yyyy-MM-dd, dd/MM/yyyy, or UK month-name dates
• couponDates is a semicolon-separated pair of coupon days, such as 31 Jan;31 Jul
• displayed value is nominal held multiplied by the refreshed clean price divided by 100
• displayed returns are gross annual HTM yield and gross total HTM return if held to maturity
• HTM entitlement excludes payments where settlement is on or after the seven-business-day ex-dividend date, using an England and Wales weekday/bank-holiday calendar

Other import paths still exist for older Vanguard UK, Robinhood, and Interactive Investor exports, but the generic portfolio format is the format the current app model is built around.

If the format changes in future, inspect:

• Accounts/Services/CSVParser.swift
• Accounts/Services/PortfolioImportService.swift

CSV Export

The main window includes an Export CSV button that writes the current live portfolio state to one CSV file.

Export columns:

• accountName
• accountType
• sourceType
• name
• assetClass
• units
• currency
• averagePurchasePrice
• ticker
• isin
• sedol
• currentCleanPrice
• couponRate
• maturityDate
• settlementDate
• cleanPricePaid
• dirtyPricePaid
• couponDates

Notes:

• investment holdings export one row per holding
• investment cash exports as assetClass = cash, with the amount stored in units
• bank balances also export as assetClass = cash, one row per currency balance
• TrueLayer credit card balances export as cash liability rows, with negative values in units
• the extra account/source columns are informational; the current generic importer ignores them

Analyst Ratings

Analyst consensus ratings are optional enrichment for holdings with a ticker and asset class stock or etf.

• Source: StockAnalysis forecast pages
• Stored in shared security metadata and reused until stale
• Refreshed on launch for missing/stale rows and during investment price syncs
• UI shows only the consensus rating: Strong Buy, Buy, Hold, Sell, or Strong Sell
• Rating colors follow the app's gain/loss palette, with muted colors for Buy/Sell and stronger colors for Strong Buy/Strong Sell
• Scrape/source errors are retained on the holding so page-shape breakage is visible in the app

Current refresh policy:

• if a holding has no stored rating, it is eligible immediately
• if a holding has a rating, it refreshes when older than 1 day
• if a scrape failed before a rating was stored, it is eligible on the next launch or sync
• cash and most fund/OEIC rows do not participate

Project Structure

• Accounts/AccountsApp.swift - app entry point, model container, callback wiring
• Accounts/Models/ - SwiftData models
• Accounts/Services/ - TrueLayer, SnapTrade, pricing, CSV import, syncing
• Accounts/Views/ - SwiftUI screens
• Accounts/Utilities/ - formatting, debug logging, store backup

Notes

• This is a personal-use app, not a production product
• Some external integrations are intentionally lightweight and rely on local credentials and local persistence
• The repo is safe to publish as code, but the app still uses local filesystem storage for secrets and data

Warning

This project was built in a heavily iterative, AI-assisted way. Treat it as practical personal software, not as a polished reference implementation. Review the code carefully before extending it, publishing derivatives, or trusting it with anything important.