Rotki & Crypto Portfolio Tracking

The crypto-tracking landscape is dominated by paid SaaS. The best self-host pick is Rotki — privacy-respecting, OSS, combines crypto with traditional assets. Free hosted alternatives (CoinGecko Portfolio, Zerion, DeBank) are convenient but data-leaking. Tax-time typically still means a paid CoinTracker / Koinly subscription, or Rotki's own tax export. For self-custody wallets see Crypto Self-Custody Wallets; for general portfolio see Ghostfolio & Portfolio Trackers; for tax software see Free Tax Software; for the broader index see Self-Hosted Personal Apps; for inheritance see Inheritance & Tax Planning.

The OSS / self-host headline

• ★ ★ Rotki — free OSS (AGPLv3); the only serious self-host crypto + portfolio tracker in 2026; desktop (Electron) + optional Premium subscription for cloud sync; local-first, encrypted, privacy-respecting; supports 100+ exchanges, on-chain (Ethereum + L2s + Bitcoin), DeFi protocols (Aave, Curve, Uniswap, etc.), and traditional assets.
  • https://github.com/rotki/rotki
  • https://rotki.com/
  • Free: full functionality on your local machine.
  • Premium ($10–17/mo): encrypted cloud-sync between devices + statistics access; supports the dev team.

Why Rotki wins for the privacy-minded

• ★ Local-first — data lives on your device, not a SaaS company's servers.
• ★ Read-only API keys — exchange data via read-only credentials; you never give it transfer rights.
• ★ Open-source price + on-chain queries — uses public RPCs + free price feeds.
• ★ Tax export — built-in tax accounting (FIFO / LIFO / HIFO / AVCO) with country-specific rules.
• ★ DeFi-aware — handles Aave deposits, Curve LP, Uniswap LP, staking rewards.

Hosted free portfolios (data-leak warning)

These are convenient but you're trading wallet/exchange data for a service:

• ★ CoinGecko Portfolio — free; tracks holdings + prices; minimal account aggregation.
• ★ Zerion — free; Web3 wallet tracker; DeFi-aware; mobile-friendly.
• ★ DeBank — free; comprehensive Web3 portfolio; chain-aware.
• Coinstats — free + paid; multi-platform.
• Delta — free + paid; nice mobile UI; eToro-owned.
• Kubera — paid; net-worth-flavored, includes crypto.

For traders not concerned about tracker-side data exposure, these are fine. For self-custody-minded users, stick to Rotki.

Tax-flavored crypto trackers (paid)

US tax season requires gain/loss reporting on every disposal — most retail users use a paid tax tool:

• Koinly — paid + free tier (limited transactions); broad exchange support; export to TurboTax / FreeTaxUSA.
• CoinTracker — paid + free tier; Coinbase-integrated; popular.
• CoinTracking — paid; long-running; deep for active traders.
• ZenLedger — paid; CPA-marketed.
• TokenTax — paid; full-service option for complex DeFi.
• ★ Rotki — free OSS; handles the same tax accounting locally; the OSS answer to all of the above. Less hand-holding; harder when you have weird DeFi transactions.

DeFi / on-chain specifics

• DeFi protocols — Aave, Compound, Curve, Uniswap, Balancer, Lido, Rocket Pool: Rotki + DeBank both handle major positions.
• Staking rewards — yield from Lido stETH, Rocket Pool rETH, Cosmos / Polkadot / native ETH staking — taxable as income on receipt in the US (mostly).
• NFTs — Rotki has NFT tracking; valuation is the open problem.
• Layer 2s — Arbitrum, Optimism, Base, Polygon, zkSync — Rotki + DeBank both cover.
• Bitcoin Lightning — small but growing; track as off-chain BTC.

Cost-basis methods

• ★ FIFO (US default if no specific identification) — first-in, first-out.
• LIFO — last-in, first-out (allowed in some jurisdictions).
• HIFO — highest-in, first-out (US specific-ID; need contemporaneous documentation).
• Specific identification — best tax outcome if records support it.
• AVCO — average cost; UK default for shares; some EU countries.

Rotki, Koinly, CoinTracker all support each.

Self-custody hardware-wallet integration

• Trezor / Ledger / Coldcard — Rotki reads xpubs / addresses for tracking only.
• Read-only watching — never enter seeds into Rotki; just give it the public xpub or address.
• See Crypto Self-Custody Wallets.

Honest take on the landscape

• ★ Self-host crypto tracking is harder than self-host fiat-only tracking because of DeFi complexity + price-feed coverage + chain explorers' rate limits.
• ★ Rotki Premium ($120/yr) is genuinely cheap for what it does; supports development.
• ★ Most casual holders are fine with Coinbase/Kraken statement → CSV → Beancount or Actual Budget + a once-a-year tax tool.
• ★ The "perfect privacy + perfect convenience" tool does not exist. Rotki is the closest.

License / pricing

• Rotki: free OSS (AGPLv3); paid Premium for cloud sync (~$10–17/mo).
• CoinGecko Portfolio, Zerion, DeBank: free.
• Koinly, CoinTracker, ZenLedger, TokenTax, CoinTracking: paid + free tiers (transaction-limited).
• Coinstats, Delta, Kubera: paid.

Pick this if…

• Default OSS / privacy-respecting: Rotki (free) or Rotki Premium for sync.
• Mobile Web3 quick view: Zerion + DeBank free.
• Tax-time, complex DeFi: Koinly or CoinTracker (paid); export to your tax software.
• Tax-time, OSS: Rotki's tax export + manual review.
• Privacy-minded HODLer with hardware wallet: Rotki, watch-only via xpubs.
• Just curious about prices: CoinGecko Portfolio is fine.
• Pair with traditional portfolio: Ghostfolio for stocks + Rotki for crypto.