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Patrice
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Net worth tracking, wherever your wealth is · French tax rules built in · PEA · PER · assurance-vie · SCPI · buy-to-let

Your wealth,
finally clear.

Patrice is a net worth tracker for individuals: PEA, PER, assurance-vie, real estate and rental properties in a single view, with French tax rules built in. No bank connection: a few minutes a month is all it takes to update everything.

Not a budgeting app. Not a trading platform. Just a clear view of your wealth.

Create my free accountTry the demo
  • Free, no card required, no connection to your bank accounts.
  • Open demo · Explore all of Patrice with realistic sample data — no sign-up, no card, no email.
Or calculate your net worth first, in 30 seconds
Simple
Start in simple mode. Advanced mode is there when you want to dig deeper.
The reality

Your wealth spreadsheet has hit its limit.

Four signs you already know it.

1
You no longer know what your property is worth today.
The 2015 purchase price says nothing anymore.
2
4 to 5 accounts, no overall view.
PEA, PER, assurance-vie, savings, rental — each tab, its own world.
3
Your partner asks where you stand.
The spreadsheet is never up to date with the right figures.
4
You think about retirement, with no visibility.
15 years ahead. No chart to picture them.
Simple or advanced

Two ways to see your wealth. You choose.

The same data, two readings. Start simple: three screens, just the essentials. Switch to advanced whenever you like — and come back whenever you want. Nothing to re-enter.

Simple

To know where you stand, without spending your evenings on it.

  • Today: what you own, what you owe, what you put aside
  • My accounts: a name, an amount — an update in seconds
  • Tomorrow: where you will be in 5, 10 or 20 years
See the demo in simple modeAll about simple mode

Advanced

To analyse everything, down to the last detail.

  • Patrice.index, allocation, performance, history
  • Monthly budget, real estate and rental yield, French taxation
  • Wealth projection, a goal, the detail of every investment
See the demo in advanced modeAll about advanced mode

Both modes are free. Premium is not a third mode: it is a subscription that adds features to both, such as the Monte Carlo simulation in “Tomorrow” or your AI’s access to your wealth. See what Premium includes

You can switch modes whenever you like, both ways. Your data stays put.

Watch

Discover Patrice in 1 minuteA tour of Patrice: what each tab is for, from your wealth to your real estate.
The product

Here's how Patrice answers.

Six features, turned into benefits. Your products by their name, everything else in plain language.

Gratuit

Is my wealth in good shape?

The Patrice.index answers with a score out of 100. The wealth-health radar completes it across six readable axes. No need to be an expert — just a clear read on your situation.
  • A single number, not a dashboard to decode
  • Debt, liquidity, concentration, diversification, protection, return
Gratuit

The real value of your property.

We estimate your property's current value from official sales data: DVF in France — the public record of sales registered by notaries — plus the official registers of the United Kingdom, Italy, Portugal and Spain. Elsewhere in Europe, your value is indexed to the national house price index. Your main home bought in 2015, seen in 2026 — and the gap, worked out for you.
  • Main home, rental, SCPI — French property funds: shares in buildings, without the tenants
  • Rental yield (gross and net) and what's left each month
Premium

A landlord? Patrice keeps the books.

Your buildings, units and leases. Rent ticked off month by month — a late payment shows up before you go looking for it. Come spring, the Form 2044 filing helper walks your year line by line, with its supporting schedules, and exports as a PDF.
  • Rent collected, late payments surfaced, receipts in one click
  • Rental result across all your properties — actual or micro-foncier, losses carried forward
  • Purchase simulator: fees, financing, cash flow, tax regimes side by side
Gratuit

Everything in one place.

PEA, PER, assurance-vie, SCPI, savings, real estate — brought together in one view, organised around French taxation. No more five tabs to reconcile by hand.
  • Stock & ETF prices updated automatically
  • A history of your net worth over time
Premium

Will I be able to retire at 60?

A projection that tests hundreds of scenarios (Monte Carlo method) and shows you three cases: cautious, realistic, optimistic. You picture your next 15 years, instead of a single figure too good to be true.
  • Three scenarios: cautious, realistic, optimistic
  • Free: the Simple projection
Premium

A clear read on your wealth, no appointment needed.

The AI analysis reviews how your wealth is allocated and sums it up in strengths, weaknesses, opportunities and risks. A second look at your wealth at €49/year, where a wealth manager costs €1,000+. For information only.
  • Plain language, zero jargon
  • Tax-optimisation ideas
AI access (MCP)New

Talk to your wealth, from your own AI.

Connect your AI assistant to your Patrice account: Claude, ChatGPT, Mistral’s Le Chat, or any other MCP-compatible assistant. It reads your assets, debts, budget, rental properties and goals: the real figures, up to date, exactly as Patrice shows them to you. And when you ask, it updates Patrice for you: a valuation, a budget line, a new lease. Patrice organizes and calculates, your AI converses and does the data entry.

Discover AI access

Example questions

  • How is our net worth split between the two of us?
  • Which unit in my building has no active lease?
  • Update my brokerage account: it’s worth 48,200 today.
  • Is my allocation consistent with my retirement goal?
The market

Why not something else?

Patrice, the Excel spreadsheet, account aggregators, the wealth manager — side by side, honestly.

PatriceExcelAggregatorsWealth manager
Overall view
Data privacy✓✓
French tax wrappers (PEA / PER / assurance-vie)
Property value (official data)
Rental management and property tax return
No bank connectionn/a
Price€49/yr€0€0–15/mo€1,000+

Finary alternative →No-bank-connection comparison →Free net worth spreadsheet →Free budget spreadsheet →Rental property spreadsheet →Loan amortization schedule →

FAQ

Your questions, our answers.

It's deliberate: Patrice connects to no bank and never asks for your credentials. You enter the value of your accounts and assets yourself; share and ETF prices update on their own. One visit a month is enough, five to ten minutes. The trade-off: your balances don't move between two visits.

Yes. Patrice only sees the figures you enter: no bank connection, no credentials requested. Your data is encrypted and hosted in Europe. It is never sold, shared or used for advertising: Patrice lives solely from its subscriptions. You can export or delete your data at any time.
Share your screen without revealing your figures: one click hides every amount.

Yes. The demo is open to everyone, with no account, no card and no email. It holds realistic sample data, so you can freely explore the dashboard, the wrappers, real estate and the simulations. After that, the base plan is free; Premium costs €49 a year, refunded if you withdraw within 14 days.

PEA, PER, multi-asset assurance-vie, SCPI, Livret A and LDDS, ordinary securities account (CTO), plus real estate, loans, crypto and gold. Each wrapper is filed under its own French tax rules: your overview is organised by wrapper, not by institution. All in a single dashboard, in euros or in your own currency.

Yes for tracking: accounts, securities, crypto and property, in any country and any currency. Property estimates cover France, the UK, Portugal and Spanish cities over 25,000 inhabitants. In Italy they are limited, for now, to a few districts of Milan. The built-in tax rules, however, are French: no Italian, Spanish or Portuguese taxation.

No. Words with a plain equivalent are said in plain English. The ones without — SCPI, PEA, amortisation — keep their name but give up their definition on hover or tap, anywhere in the app. Switch it off once the vocabulary sticks.

No. The choice of mode is open to everyone, free accounts included: three screens for the essentials in simple mode, all of Patrice in advanced mode, on the same data. You can switch modes whenever you like, in Settings. Some advanced-mode analyses (Monte Carlo simulation, rental management, advanced budget, AI) remain Premium.
Three screens for the essentials: your wealth today, your accounts to update, and tomorrow.

Account sharing is included, even on the free plan. Each partner keeps their own login, and each asset is assigned to one, the other or both. You choose between the shared household view and an individual view. If one of you goes Premium, the other benefits automatically: one subscription for two.
Share your wealth with your partner: one email invitation, and each of you keeps your own account.

Yes. Buildings, units, leases, rent ticked off month by month, service charges, imported managing-agent statements. On the tax side, the rental result is computed across all your properties — the way the tax office reads it — with losses carried forward from one year to the next and a Form 2044 filing helper you can export as a PDF. The tax rules modelled are French.
Rent received, arrears, yield, rental income result and help with the French 2044 tax return. Premium feature, available in the demo.

No. Patrice is not a financial advisor: it is an information and decision-support tool that recommends no investment and sells no financial product. Many people use it alongside a wealth manager, to arrive at their meeting with a complete picture and up-to-date figures.
Go further

Three things to know before you try.

No bank connection

Why we never connect to your accounts — and why it's deliberate.

Read the stance

Is it for you?

Several typical profiles — you'll probably recognise yourself in one.

See who it's for

Free, then Premium

Understanding is free. Optimising is €49/year — when you see the value.

See pricing

See yours in 60 seconds.

The demo asks for nothing — not your bank, not your email.

Create my free accountOpen the demo