Skip to main content
Patrice
DemoSign up
Comparison · Finary

A Finary alternative that never connects to your bank

Patrice is a Finary alternative for tracking your net worth without a bank connection. You enter your figures yourself, a few minutes a month; share and ETF prices update on their own. French tax rules and rental management are built in. Premium costs €49 a year for two logins, compared with €149.99 for Finary Plus.

Updated · by Patrice

In short: which one suits you?

Finary will suit you better if…

  • you want your balances to update on their own;
  • you have many accounts across many institutions;
  • you also want to invest from the same app.

Patrice will suit you better if…

  • you don't want to give anyone access to your bank accounts;
  • you currently track your wealth in a spreadsheet;
  • you let one or more properties in France;
  • you manage your finances as a couple.

Patrice and Finary, side by side

PatriceFinary
Bank connectionNever: manual entry or spreadsheet importAutomatic sync (2 on the free plan, unlimited on paid plans); manual entry possible
UpdatesA few minutes a month; share and ETF prices automaticAutomatic for synced accounts
Property valueEstimated from actual sales (DVF in France), freeProperty tracking
Rental managementLeases, rent, arrears, receipts, help with French form 2044 (Premium)Not mentioned on its pricing page
For couplesFree sharing; one Premium covers both loginsFamily mode with Finary Plus and Pro
Investing from the appNo: Patrice sells no financial productYes: assurance-vie, crypto, stocks
Yearly priceFree; Premium €49Free; Lite €54.99; Plus €149.99; Pro €349.99

Finary information taken from finary.com on October 3, 2026. Spotted an error? Write to contact@patrice.app and we will fix it.

What Finary does better

Finary is the best-known wealth tracker in France, and for good reason.

Automatic sync

Connect your accounts once and balances follow without you. With ten accounts across six institutions, that is real comfort.

Built-in investing

Finary lets you invest from its app: assurance-vie, crypto, stocks. Patrice sells no financial product.

Scale

Finary reports more than a million investors. Patrice is a young tool, built by one person, without outside funding.

What Patrice does differently

No bank connection

Patrice connects to no bank and never asks for your credentials. It only sees what you enter; your data is encrypted and hosted in Europe.

French tax rules

Income tax, IFI wealth tax, rental income, property capital gains, inheritance tax: Patrice estimates them from your figures. The estimates inform a decision; they don't replace personal advice.

Rental management

Leases, rent ticked off month by month, arrears flagged, receipts, rental profit across all your properties and help with French form 2044 (Premium).

One subscription for two

Account sharing is free. If one of you goes Premium, the other benefits: €49 a year for the household, or €24.50 each.

A few minutes a month: is that realistic?

Manual entry sounds daunting. In practice, most lines of a net worth barely move: a property, a mortgage, a savings account. Once a month you copy each account's value from your statements and Patrice recalculates the rest. Allow five to ten minutes once you're up to speed.

The trade-off is real: between two visits, your balances don't move. If you want to follow your spending day by day, an aggregator such as Finary is a better fit.

FAQ

Frequently asked questions

Yes, the base plan is free: net worth overview, property estimates, two years of history, sharing for two and spreadsheet import. Premium costs €49 a year for two logins and adds rental management, Monte Carlo retirement simulation and AI analyses. You get a full refund if you withdraw within 14 days.

Yes, for free. Patrice imports an Excel or CSV file: it recognises the columns (name, type, owner, value…), flags the rows to check before importing, and the file is read in your browser. For around fifteen lines, typing them in directly is just as quick.

It is exposed differently. Patrice holds no access to your banks, so there are no banking credentials to protect. The amounts you enter are encrypted and stored on European servers. No online tool can honestly promise zero risk; you can export or delete your data at any time.

Yes. The two don't get in each other's way: an aggregator to follow accounts day to day, Patrice for the monthly wealth view, French tax rules and rentals. Since Patrice asks for no bank access, there is nothing to disconnect if you stop using one of them.

Yes for tracking: accounts, securities, crypto and property in any country, in eighteen currencies. Property estimates cover France, the United Kingdom, Portugal and larger Spanish cities. The built-in tax rules, however, are French only.

Try it before you choose.

The demo is open to everyone, with no account and no card, using realistic sample data. It is the fastest way to know whether manual entry suits you.

Create my free accountOpen the demo