Rotki Review 2026 — Local, Privacy-First Crypto Portfolio Tracking and Accounting

Rotki is an open‑source, local‑first crypto portfolio tracker and accounting app aimed at users prioritizing privacy, control and traceability. It stores data locally and encrypts it rather than uploading sensitive financial history to cloud dashboards. Key features include multi‑venue portfolio aggregation (on‑chain wallets and centralized exchanges), transaction decoding for readable DeFi histories, robust P&L and accounting outputs with traceable cost‑basis, analytics and historical net‑worth views, and exportable reports suitable for tax or accounting workflows. In 2026 Rotki offers a tiered subscription model: a Free tier for core local functionality, a Basic tier priced at €25/month (VAT included) for regular users, and Advanced and Custom tiers for power users and businesses. Strengths are privacy, open‑source transparency, and transaction‑level traceability; weaknesses include the additional setup and maintenance burden of a local app, potential performance limits with very large datasets, and a Basic tier cost that may not suit all budgets. The tool is recommended for long‑term holders, DeFi users with complex histories, and anyone who needs auditable accounting outputs without centralizing data. Alternatives remain hosted SaaS trackers for convenience, tax‑first products for filing focus, or DeFi dashboards for position analytics. Rotki’s niche is clear: self‑sovereign portfolio accounting where privacy and control are non‑negotiable.