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.

Every building, every unit, every lease. Patrice tracks rent month by month and surfaces late payments as you go: you see straight away which unit is slipping, and by how much. Receipts are generated in one click, and your managing agent's statements are imported and turned into entries you review.

On the tax side, Patrice computes your rental result across ALL your properties — not one at a time, which is how the tax office reads it: a loss-making building offsets a profitable one, the offset cap applies once, and a rental loss carries forward from one year to the next. Actual expenses or micro-foncier, the estimate follows the regime you elected.

Come spring, the filing helper walks your year line by line, with its supporting annex — works and loans itemised — and exports as a PDF. Every version is kept: the one you actually filed with is still readable three years later.

Before you sign: the price, notary fees estimated from your department's own scale, the deposit, the loan and its insurance. Patrice turns that into a monthly payment, a monthly cash flow, gross and net yield, and your debt ratio after the deal.

For a French property, the three regimes are compared side by side — micro-foncier, actual expenses, LMNP — each with its first-year tax. It is the heaviest decision of a buy-to-let project, and the one most often made without figures.

The area's price per m² comes from real sales (DVF in France), to place your offer. Each project is saved, reopened and compared — and converts into a real asset the day the purchase completes.

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.