Understand and manage your wealth

Patrice brings all your assets and liabilities together in a single dashboard. Real estate, bank accounts, stock investments, crypto, SCPI, life insurance, PEA, vehicles — everything in one place so you can finally see the full picture.

Each asset and liability is categorized, with an up-to-date valuation and a history. You instantly see your net worth (assets − liabilities) and how it evolves over time.

Add as many items as you need: there is no limit on the number of assets or liabilities in the free version.

The budget module lets you track your income and expenses month by month. Visualize your savings capacity, identify significant spending categories and track your cash flow over time.

Loan repayments and rental income are automatically pulled from your wealth data: no double entry. You see your actual disposable income, savings rate and debt ratio.

The free version includes basic cash flow tracking with three custom categories and a debt ratio. Premium unlocks multi-source income with couple attribution, savings goals, net wealth projection and AI budget analysis.

Patrice estimates the market value of your properties from official sales data: DVF (France, the tax authority's record of notarised sales), HM Land Registry (United Kingdom, the official land register), OMI (Italy, the tax authority's property market observatory), INE (Portugal, the national statistics institute) and the Ministry of Housing (Spain, accredited appraisals). Elsewhere in Europe, your declared value is indexed to the national house price index published by Eurostat — and in Switzerland to the FSO's IMPI, broken down by type of dwelling and by municipality category. Add your purchase price, track your capital gain, and visualize your real estate allocation within your overall wealth.

The simple simulation (free) projects your wealth over 25 years using three scenarios (pessimistic, median, optimistic) to give you a first look at the future.

The Patrice Simulation (Premium) goes much further: a Monte Carlo algorithm generates 500 possible trajectories by drawing a realistic economic scenario each year (crisis, stability, boom). Your assets react differently depending on their nature — real estate, stocks and bonds don't behave the same way during a crisis.

The result: a realistic range (P10 to P90) instead of a single number. Your loans are automatically amortized, and the simulation shows the real evolution of your net wealth.

Patrice's artificial intelligence analyzes your wealth and generates clear reports, without financial jargon. At the heart of it, the Complete Analysis brings everything together at a glance:

The Complete Analysis brings together in a single report your wealth diagnostic (strengths, weaknesses, opportunities, risks), your target allocation and your next steps. It is complemented by focused analyses: the "What should I do with my money?" analysis suggests ideas adapted to your profile, project analysis assesses the feasibility of a specific project (property purchase, retirement, education), and the AI budget analysis detects anomalies and suggests optimization scenarios.

Each report can be saved, downloaded as PDF or shared.

The annual report freezes your wealth on a given date and compares it to any other date: net worth, gross assets, total debt and Patrice.index side by side, with the change for each.

It breaks down what actually moved over the year — asset class by asset class, market valuation of your property, rental yield, price tracking of your listed positions — then reconciles it with your budget and each household member's share.

Every report can be downloaded as a PDF and kept as a record. Combined with the monthly report, you get a continuous history of your wealth instead of a snapshot.