{ "meta": { "format": "patrice.v2", "app": "Patrice", "kind": "template", "exportedAt": "2026-01-01T00:00:00.000Z", "locale": "pt" }, "__instructions": "És um assistente que preenche um ficheiro de dados patrimoniais em formato JSON para a aplicação Patrice.\n\nDou-te: (1) este ficheiro JSON, cujo bloco \"__schema\" descreve cada coleção e cada campo, com os valores permitidos (\"enums\"); (2) os meus documentos (extratos bancários, notas de liquidação, planos de amortização, extratos de títulos, avaliações…).\n\nA tua tarefa: preencher as coleções \"owners\", \"assets\", \"budgets\", \"savingsGoals\", \"wealthGoals\" e \"taxProfile\" a partir dos meus documentos.\n\nRegras, por ordem de importância:\n1. Não inventes nada. Um campo que os meus documentos não dão fica ausente: sem estimativas, sem valores de preenchimento.\n2. Nunca alteres um \"id\" existente nem cries um para um elemento novo (exceto um número negativo temporário quando outro elemento novo tiver de o referenciar, por exemplo uma posição dentro de uma conta através de \"parentId\", ou um empréstimo ligado através de \"linkedDebtIds\").\n3. Respeita rigorosamente as listas de valores de \"__schema.enums\" (tipos de ativos, moedas, frequências…). Se nada servir, escolhe o tipo mais próximo e explica-o em \"details\".\n4. \"value\" é o montante de COMPRA (ou o capital emprestado), positivo. O valor atual vai em \"revaluationValue\" + \"revaluationDate\".\n5. Datas no formato AAAA-MM-DD, meses em AAAA-MM, montantes como números sem símbolo nem separador de milhares.\n6. Os proprietários (\"owner\") têm de existir em \"owners\"; acrescenta-os se necessário, com um id curto e estável.\n7. Não apagues nada. Não toques nos campos marcados \"readonly\" nem nas chaves que começam por \"__\".\n8. Responde com o ficheiro JSON completo e nada mais: sem comentários, sem texto à volta, sem bloco Markdown. Mantém \"meta\" e \"__schema\" tal como estão.\n\nSe um documento for ambíguo, escreve o que entendes em \"details\" do elemento em vez de deduzir um número.", "__schema": { "format": "patrice.v2", "conventions": [ "Dates are ISO `YYYY-MM-DD`; months are `YYYY-MM`; datetimes are ISO 8601.", "Amounts are plain numbers (no currency symbol, no thousands separator, dot as decimal separator), positive for loans as well.", "Percent fields are plain numbers: 30 means 30 %.", "Fields marked readonly are written by Patrice and ignored on import.", "Omit a field you do not know rather than guessing; omitted fields keep their current value on import.", "Keys marked `__` (like `__schema`, `__instructions`, `__examples`) are documentation and are never imported." ], "enums": { "assetType": [ "bank", "livret", "currency_account", "pea", "per", "cto", "assurance_vie", "bonds", "real_estate_primary", "real_estate_rental", "real_estate_secondary", "real_estate_bare_ownership", "stocks", "private_equity", "scpi", "crypto", "gold_physical", "gold_paper", "commodity", "car", "luxury", "loan_real_estate", "loan_auto", "loan_other", "debt_inter_owner", "credit_inter_owner" ], "assetCategory": [ "savings", "real_estate", "investments", "safehaven", "personal", "debts" ], "ownerType": [ "primary", "partner", "child", "company", "couple", "other" ], "currency": [ "EUR", "USD", "GBP", "CHF", "JPY", "CAD", "AUD", "NZD", "SEK", "NOK", "DKK", "PLN", "CZK", "HUF", "CNY", "SGD", "HKD", "AED" ], "usage": [ "primary", "secondary", "rental" ], "loanAmortization": [ "french", "german", "bullet" ], "purchasePriceMode": [ "total", "per_sqm", "per_share" ], "revaluationPriceMode": [ "total", "per_sqm" ], "marketValuationMode": [ "auto", "manual", "index" ], "cashflowFrequency": [ "monthly", "weekly", "semimonthly", "quarterly", "annual" ], "autoIncrementFrequency": [ "weekly", "biweekly", "monthly", "quarterly", "semiannual", "annual" ], "historyKind": [ "purchase", "revaluation", "manual", "close", "market_auto", "auto_increment", "ticker", "market_index" ], "incomeType": [ "salary", "rental", "freelance", "pension", "dividends", "other" ], "expenseType": [ "loan", "dca", "rental" ], "rentalChargeKind": [ "recurring", "exceptional" ], "goalTargetType": [ "total", "category", "type", "asset" ], "goalSource": [ "free", "premium" ], "taxRegime": [ "reel", "micro_foncier" ], "companyTaxRegime": [ "ir", "is" ], "maritalStatus": [ "single", "couple" ], "tmiMode": [ "manual", "auto" ] }, "assetTypeDescriptions": { "bank": "current / checking account", "livret": "regulated savings account (Livret A, LDDS, LEP…)", "currency_account": "account held in a foreign currency", "pea": "French equity savings plan (PEA) — a container; positions are child assets with parentId", "per": "French retirement savings plan (PER) — container", "cto": "securities account — container; positions are child assets with parentId", "assurance_vie": "life insurance contract — container", "bonds": "bonds or bond funds", "real_estate_primary": "main residence", "real_estate_rental": "rental property", "real_estate_secondary": "second home", "real_estate_bare_ownership": "bare ownership (nue-propriété)", "stocks": "listed shares or ETFs (use symbol + quantity for automatic pricing)", "private_equity": "unlisted shares, start-ups, funds in units", "scpi": "real-estate investment trust units (SCPI)", "crypto": "crypto-assets (container or single position)", "gold_physical": "physical gold, coins, bars", "gold_paper": "gold ETF / certificate", "commodity": "other commodities", "car": "vehicle", "luxury": "watches, art, collectibles", "loan_real_estate": "mortgage (liability; value = initial amount borrowed, positive)", "loan_auto": "car loan (liability)", "loan_other": "consumer or other loan (liability)", "debt_inter_owner": "money owed by `owner` to `creditorOwnerId` (both are owners of this file)", "credit_inter_owner": "money lent by `owner` to another owner (mirror of debt_inter_owner)" }, "propertyTypesByCountry": { "FR": [ "apartment", "house" ], "GB": [ "detached", "semi_detached", "terraced", "flat" ], "IT": [ "apartment", "house" ], "PT": [ "apartment", "house" ], "ES": [ "apartment", "house" ] }, "collections": { "owners": { "kind": "list", "description": "The people and entities who hold assets. `me` is the account holder and always exists. `couple` is the joint holding of `me` and the partner. Assets point to an owner by `id`.", "idField": "id", "fields": { "id": { "type": "id", "required": true, "description": "Stable identifier used by assets.owner (e.g. `me`, `partner`, `couple`, `child_1`, `sci_family`). Never rename an existing id." }, "label": { "type": "string", "description": "Display name.", "required": true }, "type": { "type": "enum", "enum": "enums.ownerType", "description": "Kind of owner. `primary` is the account holder (`me`).", "required": true }, "color": { "type": "string", "description": "Palette key c01…c15 for the badge; leave unset for the default.", "readonly": true } } }, "companies": { "kind": "list", "description": "Details of the companies (SCI, SARL…) the household holds, one per owner of type `company`. `partners` drives consolidation: only the shares of partners who are household owners count towards the household's wealth. Without partners, the company counts in full.", "idField": "ownerId", "fields": { "ownerId": { "type": "ref", "ref": "owners", "required": true, "description": "Id of the owner (type `company`) this record describes." }, "legalForm": { "type": "string", "description": "Legal form, free text: SCI, SARL, SAS, holding…" }, "taxRegime": { "type": "enum", "enum": "enums.companyTaxRegime", "description": "ir = transparent (profits taxed at the partners' level); is = corporation tax." }, "siren": { "type": "string", "description": "French company identifier, 9 digits." }, "registeredName": { "type": "string", "description": "Registered name, as filed." }, "registeredAddress": { "type": "string", "description": "Registered office address." }, "activity": { "type": "string", "description": "Main activity." }, "creationDate": { "type": "date", "description": "Date the company was created." }, "partners": { "type": "array", "description": "Partners: {ownerId?, label?, sharePct}. `ownerId` = a household owner (their share belongs to the household); `label` alone = an outside partner. The shares add up to 100." }, "notes": { "type": "string", "description": "Free notes." } } }, "assets": { "kind": "list", "description": "Every asset and liability. `value` is the PURCHASE amount (or initial loan amount) in `purchaseCurrency`; today's value is derived from `history`. To record a current valuation, set `revaluationValue` + `revaluationDate` — Patrice turns them into a history point.", "idField": "id", "fields": { "id": { "type": "id", "description": "Numeric id assigned by Patrice. Keep it on existing assets; OMIT it on new ones (or use a negative temporary number when another new asset must reference it)." }, "type": { "type": "enum", "enum": "enums.assetType", "description": "Asset type. Liabilities are the loan_* and debt_inter_owner types.", "required": true }, "name": { "type": "string", "description": "Name shown in the app.", "required": true }, "owner": { "type": "ref", "ref": "owners", "required": true, "description": "Owner id from the `owners` list. For a debt_inter_owner, the DEBTOR." }, "value": { "type": "number", "unit": "money", "description": "Purchase amount / initial loan amount, positive, in purchaseCurrency. 0 only for containers (their value is the sum of child positions).", "required": true }, "purchaseCurrency": { "type": "enum", "enum": "enums.currency", "description": "Currency of `value` and of the history points (default EUR)." }, "purchaseDate": { "type": "date", "description": "Purchase / opening date. Defaults to today when omitted." }, "institution": { "type": "string", "description": "Bank, broker, insurer, notary." }, "details": { "type": "string", "description": "Free notes." }, "usage": { "type": "enum", "enum": "enums.usage", "description": "Real estate only: main residence, second home or rental." }, "country": { "type": "string", "description": "ISO 3166-1 alpha-2 country code (FR, CH, GB…). Required for real estate." }, "city": { "type": "string", "description": "Real estate: city." }, "postalCode": { "type": "string", "description": "Real estate: postal code." }, "sqm": { "type": "number", "unit": "sqm", "description": "Real estate: surface in square metres." }, "propertyType": { "type": "string", "description": "Real estate: property type for market estimates — see `propertyTypesByCountry`." }, "marketValuationMode": { "type": "enum", "enum": "enums.marketValuationMode", "description": "Real estate: `manual` (you set the value), `auto` (local market estimate), `index` (national price index applied to your value)." }, "purchasePriceMode": { "type": "enum", "enum": "enums.purchasePriceMode", "description": "How the purchase price was entered; `value` always holds the total." }, "purchasePricePerSqm": { "type": "number", "unit": "money", "description": "Real estate: price per square metre at purchase, when purchasePriceMode = per_sqm." }, "revaluationValue": { "type": "number", "unit": "money", "description": "Latest valuation, in revaluationCurrency (or purchaseCurrency)." }, "revaluationDate": { "type": "date", "description": "Date of the latest valuation. Required with revaluationValue." }, "revaluationCurrency": { "type": "enum", "enum": "enums.currency", "description": "Currency of revaluationValue." }, "revaluationPriceMode": { "type": "enum", "enum": "enums.revaluationPriceMode", "description": "Real estate: how the revaluation was entered." }, "revaluationPricePerSqm": { "type": "number", "unit": "money", "description": "Real estate: revaluation price per square metre." }, "quantity": { "type": "number", "description": "Number of shares / units / coins." }, "purchasePrice": { "type": "number", "unit": "money", "description": "Unit price at purchase (shares, crypto, private equity units)." }, "symbol": { "type": "string", "description": "Ticker symbol (Yahoo Finance format, e.g. `AIR.PA`, `CW8.PA`, `BTC-EUR`) for automatic pricing." }, "tickerEnabled": { "type": "boolean", "description": "true to price the position from `symbol` × `quantity` automatically." }, "sharePurchases": { "type": "array", "description": "Private equity: successive purchases `{date, quantity, unitPrice}`; when present they drive quantity, purchasePrice and value." }, "inflationEnabled": { "type": "boolean", "description": "Index the value on inflation at `inflationRate` per year." }, "inflationRate": { "type": "number", "unit": "percent", "description": "Annual rate for inflationEnabled." }, "depreciationEnabled": { "type": "boolean", "description": "Depreciate the value at `depreciationRate` per year (vehicles)." }, "depreciationRate": { "type": "number", "unit": "percent", "description": "Annual depreciation rate." }, "loanInterestRate": { "type": "number", "unit": "percent", "description": "Loans: annual interest rate." }, "loanTermMonths": { "type": "integer", "unit": "months", "description": "Loans: total term in months." }, "loanAmortization": { "type": "enum", "enum": "enums.loanAmortization", "description": "Loans: `french` (constant instalment), `german` (constant principal), `bullet` (interest only, principal at the end)." }, "loanRemainingOverride": { "type": "number", "unit": "money", "description": "Loans: outstanding principal today, when the statement says so." }, "loanInsuranceRate": { "type": "number", "unit": "percent", "description": "Loans: annual borrower insurance rate on the INITIAL capital." }, "loanInsuranceTaea": { "type": "number", "unit": "percent", "description": "Loans: TAEA shown on the offer, informative only." }, "loanMonthlyFees": { "type": "number", "unit": "money", "description": "Loans: monthly fees excluding interest and insurance." }, "loanSchedule": { "type": "array", "description": "Loans: the bank's amortization table, one row per instalment `{date, payment, interest, principal, remaining}` (amounts in the loan currency, `remaining` = outstanding principal AFTER the instalment). When present it overrides the theoretical schedule for the outstanding principal, the monthly instalment and the year's interest." }, "linkedDebtIds": { "type": "array", "description": "Ids of the loans financing this asset (e.g. the mortgage of a property)." }, "parentId": { "type": "ref", "ref": "assets", "description": "Id of the container account (PEA, CTO, life insurance, crypto wallet) this position belongs to. The container's value is the sum of its positions." }, "creditorOwnerId": { "type": "ref", "ref": "owners", "description": "debt_inter_owner / credit_inter_owner: the other party." }, "linkedInterOwnerId": { "type": "ref", "ref": "assets", "description": "Mirror asset of an inter-owner debt / credit.", "readonly": true }, "isLiability": { "type": "boolean", "description": "true for loans and debts. Derived from `type` when omitted." }, "monthlyRent": { "type": "number", "unit": "money", "description": "Rental property / SCPI: gross rent per `rentFrequency` period." }, "rentFrequency": { "type": "enum", "enum": "enums.cashflowFrequency", "description": "Period of monthlyRent (default monthly)." }, "annualCharges": { "type": "number", "unit": "money", "description": "Rental: recurring annual charges (property tax, co-ownership, insurance, management)." }, "annualExceptionalCharges": { "type": "number", "unit": "money", "description": "Rental: this year's exceptional charges (works)." }, "ownershipShares": { "type": "object", "description": "Split of ownership in percent by owner id, summing to 100, e.g. {\"me\": 60, \"partner\": 40}. Only for `couple` or company owners." }, "showPerformance": { "type": "boolean", "description": "Show performance (gain / loss) for this asset in the app." }, "autoIncrement": { "type": "object", "description": "Recurring contribution: {enabled, amount, currency, frequency (autoIncrementFrequency), startDate, endDate?, paused?}." }, "closeDate": { "type": "date", "description": "Date the asset was sold / closed. The asset is worth 0 from that date." }, "closeValue": { "type": "number", "unit": "money", "description": "Sale price, when it differs from the last value." }, "history": { "type": "array", "description": "Valuation history: `{date, value, currency, kind}` with kind in historyKind. Written by Patrice; you may ADD `revaluation` points from statements, never remove existing ones." }, "tickerProvider": { "type": "string", "description": "Pricing provider.", "readonly": true }, "lastTickerUpdate": { "type": "datetime", "description": "Last automatic price update.", "readonly": true } } }, "budgets": { "kind": "list", "description": "One entry per month (`YYYY-MM`) with income sources and expense categories. Amounts are MONTHLY equivalents in `currency` (default EUR); `nativeAmount` + `frequency` keep what was entered.", "idField": "month", "fields": { "month": { "type": "month", "required": true, "description": "Month, `YYYY-MM`." }, "incomeItems": { "type": "array", "description": "Income sources: {id, label, amount, currency?, frequency?, nativeAmount?, type (incomeType), owner? (owner id or `couple`), splitPercent?, linkedAssetId?}." }, "categories": { "type": "array", "description": "Expense categories: {id, label, amount, currency?, frequency?, nativeAmount?, note?, paidBy? (owner id or `couple`), paidFor?, splitPercent?, isFixed?, type? (expenseType), linkedDebtId?, linkedAssetId?}." }, "monthlyIncome": { "type": "number", "unit": "money", "description": "Legacy total income; ignored when incomeItems is present.", "readonly": true } } }, "savingsGoals": { "kind": "list", "description": "Short-term savings goals with a target and the amount already set aside.", "idField": "id", "fields": { "id": { "type": "id", "description": "UUID assigned by Patrice. Omit on new goals." }, "label": { "type": "string", "description": "Name.", "required": true }, "targetAmount": { "type": "number", "unit": "money", "description": "Target, in EUR.", "required": true }, "currentAmount": { "type": "number", "unit": "money", "description": "Amount already saved, in EUR." }, "deadline": { "type": "month", "description": "Target month, `YYYY-MM`." }, "priority": { "type": "integer", "description": "1 (high) to 3 (low)." }, "icon": { "type": "string", "description": "Emoji." }, "color": { "type": "string", "description": "Palette key c01…c15.", "readonly": true } } }, "wealthGoals": { "kind": "list", "description": "Long-term net-worth targets, on the whole portfolio or on a category, a type or one asset.", "idField": "id", "fields": { "id": { "type": "id", "description": "Text id assigned by Patrice. Omit on new goals." }, "label": { "type": "string", "description": "Name.", "required": true }, "targetAmount": { "type": "number", "unit": "money", "description": "Target, in EUR.", "required": true }, "targetYear": { "type": "integer", "unit": "years", "required": true, "description": "Year the target should be reached." }, "targetType": { "type": "enum", "enum": "enums.goalTargetType", "description": "What the target applies to." }, "targetCategoryId": { "type": "enum", "enum": "enums.assetCategory", "description": "When targetType = category." }, "targetTypeId": { "type": "enum", "enum": "enums.assetType", "description": "When targetType = type." }, "targetAssetId": { "type": "ref", "ref": "assets", "description": "When targetType = asset." }, "source": { "type": "enum", "enum": "enums.goalSource", "description": "Origin of the goal.", "readonly": true }, "createdAt": { "type": "datetime", "description": "Creation time.", "readonly": true }, "color": { "type": "string", "description": "Palette key.", "readonly": true } } }, "taxProfile": { "kind": "singleton", "description": "Household tax profile used by the rental and tax calculations.", "idField": "taxResidence", "fields": { "incomeTaxRate": { "type": "number", "unit": "percent", "description": "Marginal income-tax rate (TMI), e.g. 30." }, "socialLeviesRate": { "type": "number", "unit": "percent", "description": "Social levies rate; null = the legal rate of the year." }, "taxResidence": { "type": "string", "description": "Country of tax residence, ISO code." }, "taxRegime": { "type": "enum", "enum": "enums.taxRegime", "description": "Rental income regime elected for the household." }, "taxableIncome": { "type": "number", "unit": "money", "description": "Household net taxable income per year, from the tax notice; null = not entered." }, "maritalStatus": { "type": "enum", "enum": "enums.maritalStatus", "description": "single = separate assessment; couple = joint assessment (married, civil partnership)." }, "dependentChildren": { "type": "integer", "description": "Dependent children counted for the family quotient." }, "tmiMode": { "type": "enum", "enum": "enums.tmiMode", "description": "auto = the marginal rate is derived from the scale; manual = entered by the user." } } } }, "notIncluded": [ "rental module details (buildings, units, leases, rent transactions, statements)", "forecast events and scenarios", "shared household membership", "generated reports" ] }, "owners": [ { "id": "me", "label": "Me", "type": "primary" } ], "companies": [], "assets": [], "budgets": [], "savingsGoals": [], "wealthGoals": [], "taxProfile": null, "__examples": { "assets": [ { "type": "bank", "name": "Current account — Example Bank", "owner": "me", "value": 4200, "purchaseCurrency": "EUR", "purchaseDate": "2024-01-15", "institution": "Example Bank" }, { "type": "livret", "name": "Livret A", "owner": "me", "value": 12000, "purchaseCurrency": "EUR", "purchaseDate": "2021-06-01", "revaluationValue": 12850, "revaluationDate": "2026-08-31" }, { "id": -1, "type": "pea", "name": "PEA — Example Broker", "owner": "me", "value": 0, "purchaseCurrency": "EUR", "purchaseDate": "2022-03-10", "institution": "Example Broker" }, { "type": "stocks", "name": "Amundi MSCI World", "owner": "me", "parentId": -1, "value": 9000, "purchaseCurrency": "EUR", "purchaseDate": "2022-03-10", "symbol": "CW8.PA", "quantity": 20, "purchasePrice": 450, "tickerEnabled": true }, { "id": -2, "type": "loan_real_estate", "name": "Mortgage — main residence", "owner": "me", "value": 250000, "purchaseCurrency": "EUR", "purchaseDate": "2020-09-01", "loanInterestRate": 1.2, "loanTermMonths": 240, "loanAmortization": "french", "loanInsuranceRate": 0.3, "institution": "Example Bank" }, { "type": "real_estate_primary", "name": "Apartment — Lyon", "owner": "me", "value": 320000, "purchaseCurrency": "EUR", "purchaseDate": "2020-09-01", "country": "FR", "city": "Lyon", "postalCode": "69003", "sqm": 72, "usage": "primary", "marketValuationMode": "manual", "linkedDebtIds": [ -2 ] } ], "budgets": [ { "month": "2026-09", "incomeItems": [ { "id": "salary_1", "label": "Salary", "amount": 3200, "currency": "EUR", "type": "salary", "owner": "me" } ], "categories": [ { "id": "housing", "label": "Rent / mortgage", "amount": 1100, "currency": "EUR", "isFixed": true }, { "id": "food", "label": "Groceries", "amount": 450, "currency": "EUR" } ] } ], "savingsGoals": [ { "label": "Emergency fund", "targetAmount": 10000, "currentAmount": 6500, "deadline": "2027-06", "priority": 1, "icon": "🛟" } ], "wealthGoals": [ { "label": "Net worth 500 k€", "targetAmount": 500000, "targetYear": 2035, "targetType": "total" } ], "taxProfile": [ { "incomeTaxRate": 30, "socialLeviesRate": null, "taxResidence": "FR", "taxRegime": "reel" } ] } }