Understand for free.
Optimize with Premium.
Patrice is free to track your wealth. Premium unlocks advanced analysis, simulation and optimization tools.
- Cancel in 1 click
- 14-day withdrawal right
- No bank connection
~€4/month
Get started for free- Full refund if you withdraw within 14 days
- 1 subscription = 2 logins (couple)
- No follow-ups, no sales calls
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The right benchmark is the cost of advice.
A wealth review with a wealth-management adviser, once a year.
Patrice Premium, all year round, on your own.
Patrice does not replace a wealth-management adviser and does not provide personalized investment advice: this is not a comparison of quality, but of price and positioning. Patrice is a decision-support tool that helps you see clearly day to day and arrive better prepared for your appointments.
Seven additions, one promise: decide better.
For each feature, what’s free and what Premium adds.
AI & Advanced Analysis
Patrice's AI brings everything together in the Complete Analysis: your wealth diagnostic (strengths, weaknesses, opportunities, risks), your indicative target allocation matching your risk profile, and your next steps. It is complemented by focused analyses — “What should I do with my money?”, project analysis (property purchase, retirement, education) and natural language asset entry. Each report can be saved, downloaded as PDF or shared.
See detailsImport & assisted entry
Import your assets and budget from an Excel or CSV spreadsheet, for free: Patrice recognizes the columns, flags the rows to check before importing, and the file is read in your browser, without going through the AI. With Premium, describe an asset in plain language — “a €25,000 brokerage account opened in 2019” — and the AI fills in the form for you.
See detailsPatrice Simulation
The proprietary Monte Carlo algorithm generates 500 possible trajectories over 25 years. Each year, a realistic economic scenario (crisis, stability, boom) is drawn and your assets react according to their nature. Result: a realistic P10-P90 range instead of a single number. Loans are automatically amortized, showing the real evolution of your net wealth. You can also filter by asset or adjust return rates.
See detailsUnlimited goals
Define all your life projects — property purchase, retirement, children’s education, travel, building an emergency fund — and track your progress in real time. Each goal is linked to your current wealth and savings capacity.
See wealth trackingFull history
Access your complete wealth narrative. Create point-in-time reports at any date, track year-over-year evolution and export reports as PDF.
See wealth trackingShared Premium
The shared account between two people is free. But if one of you goes Premium, the other benefits automatically. One subscription for your household.
See household managementAdvanced budget
Income attribution per partner, monthly savings goals, net wealth projection, unlimited custom categories, unlimited history and AI budget analysis with interactive scenarios and evolution charts.
See budget moduleTalk 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.
In three steps
- 1Turn on AI access in Patrice Settings.
- 2Add the Patrice connector in your AI assistant.
- 3Approve the connection, then ask your question.
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?
Real figures, not estimates
The AI reads your data live: wealth per person according to your ownership shares and split ownership, leases, rents, history. No more copy-pasting, no more made-up assumptions.
Every change tracked, and reversible
Your AI only changes things when you ask, and only your own data. Every change is recorded in the Journal, before and after, and can be undone in one click, unless an exception is shown (the item has changed since, or others depend on it). And Patrice never connects to your bank.
Your household, as Patrice shows it
The AI sees what you see in the app, no more. What your partner keeps private stays private.
You stay in control
Off by default. You turn it on yourself, approve each connection, and cut it whenever you like: access stops immediately.
The data consulted is sent to the AI assistant you choose and processed under its own terms. Patrice does not provide personalized investment advice.
Choose your plan
- Real-time dashboard & KPIs
- Unlimited assets & debts (6 families)
- Detailed metrics & allocation
- Simple projection (3 scenarios, 25 years)
- Basic budget & debt-to-income ratio
- Multi-currency (18 currencies)
- Shared account (2 people)
- Smart alerts, Excel/CSV import & CSV export
- Everything in Free, plus:
- Natural-language asset entry (AI)
- Complete Analysis + focused analyses
- Patrice simulation (500 trajectories)
- Unlimited wealth goals
- Advanced budget + AI budget analysis
- Full history since 2020
- Rental management + Form 2044 filing helper
- Shared Premium (1 subscription for 2)
- AI access (MCP) — your AI reads and updates your wealth
Detailed comparison
Everything included in Patrice, feature by feature.
| Feature | Free | Premium |
|---|---|---|
| Wealth tracking | ||
| Simple or advanced mode, your choice | ||
| Consolidated view, all FR wrappers | ||
| Patrice.index — the wealth score | ||
| Real estate valuation (5 countries + 25 indexed) | ||
| Detailed market estimate (trend, aggregated) | ||
| Automatic stock & ETF prices | ||
| Price tracker (performance since purchase) | 3 assets | |
| Wealth history | 2 years | Full since 2020 |
| Multi-currency (18) | ||
| Rental property | ||
| Rental yield & cash flow indicators | ||
| Buildings, units, leases, tenants | ||
| Rent tracked month by month, late payments surfaced | ||
| Rent receipts and managing-agent statement import | ||
| Rental result across all properties (actual or micro-foncier) | ||
| Rental loss carried forward from one year to the next | ||
| Form 2044 filing helper, versioned, PDF export | ||
| Buy-to-let purchase simulator | ||
| Analysis & AI | ||
| AI access (MCP): your AI reads and updates your wealthNew | ||
| 6-axis radar | ||
| AI analysis (SWOT, recommendations) | ||
| AI requests (analyses, scenarios, AI-assisted entry) | 50 / month | |
| Natural-language asset entry (AI) | ||
| Simulation & goals | ||
| Simple projection | ||
| Patrice simulation (500 trajectories) | ||
| Wealth goals | 1 | Unlimited |
| Budget & household | ||
| Advanced monthly budget | ||
| Couple account sharing | By invitation | |
| Detailed report per owner | Household view | Per member |
| Shared Premium (1 subscription = 2 logins) | ||
| Convenience & data | ||
| Monthly report history | Current + previous month | Full history |
| Monthly email report | ||
| Spreadsheet import (Excel, CSV) | ||
| CSV export · 1-click deletion | ||
| JSON export (full backup) | ||
Frequently asked questions
Ready to take it to the next level?
Start for free. Upgrade to Premium when you’re ready.