To track your net worth without handing over your bank credentials, a spreadsheet, Fidalo, Patriviz and Patrice never connect to banks; Gustav and Finary also accept manual entry. They differ mainly in where your data lives, how they handle French tax rules, and price. These tools are built for the French market.
We publish Patrice: this comparison is ours. Every detail about the other tools comes from their own website, as of the date shown.
| Tool | Bank connection | Where your data lives | Price | What it does well |
|---|---|---|---|---|
| Spreadsheet (Excel, Google Sheets) | Never | On your computer or your Drive | Free | Complete freedom of structure |
| Fidalo | Never (entry or import) | In your browser, no server | Free | Nothing leaves your device |
| Patriviz | Never (entry or import) | Not stated on its website | Free (1 account); €48 or €69 a year | PEA, assurance-vie, brokerage and crypto in one place |
| Gustav | Optional: manual on the free plan, sync with Gustav+ | On the publisher's servers | Free; Gustav+ €59.99 a year | Wealth and budget in the same app |
| Finary | Sync (2 accounts on the free plan); manual possible | On the publisher's servers | Free; Plus €149.99 a year | The most complete automatic option; built-in investing |
| Patrice | Never (entry or spreadsheet import) | Servers in Europe, encrypted | Free; Premium €49 a year for two | French tax rules, property estimates, rental management, sharing for two |
A local tool keeps everything on your device: nothing on a server, but moving between devices or sharing with a partner takes more effort. An online tool such as Patrice stores amounts, never bank credentials, and makes them available everywhere.
PEA, assurance-vie, PER, rental income, IFI: if your wealth is in France, compare what each tool actually calculates, not just what it displays.
Tracking rent, arrears and preparing French form 2044 is not offered everywhere: check before you choose. Patrice offers it in Premium; a spreadsheet can do it, at the cost of a file to maintain.
Sharing a spreadsheet means risking overwriting each other's work. Check whether the tool offers two logins, and at what price.
Aggregators connect to your banks to fetch your balances. It is convenient, and in Europe it is regulated under the PSD2 directive. Choosing to go without it is about something else: giving no one access to your accounts, and actually looking at your figures as you enter them. That choice has a cost: a few minutes a month, and balances that don't move between two visits.
The demo is open to everyone, with no account, no card and no email.