Patrice is a personal finance tool designed for French-speaking users seeking a clear overview of their assets and investments without requiring bank account connections. It addresses the challenges of tracking multiple asset types—such as PEA, PER, assurance-vie, real estate, SCPI, and savings accounts—by consolidating them into a single, organized dashboard structured according to French fiscal rules. The platform is intended for individuals who want to understand their financial situation at a glance, rather than manage every detail, and is positioned as an aid to decision-making rather than a substitute for professional financial advice.
The tool estimates the current value of real estate holdings using public sales data, and calculates rental yields (both gross and net) as well as monthly residual income. Users can view the historical evolution of their net worth over time, and track up-to-date prices for stocks and ETFs. For retirement planning, Patrice offers projections based on Monte Carlo simulations that show three scenarios—prudent, realistic, and optimistic—helping users visualize their financial outlook over the next 15 years.
A premium feature includes an AI-powered analysis that reviews the user's asset allocation, summarizing strengths, weaknesses, opportunities, and risks, and providing suggestions for tax optimization. The tool emphasizes privacy by never connecting to banking APIs; all data is user-input and remains in a user-controlled space hosted in Europe. Patrice can be used individually or shared with a partner, allowing for either a joint or separate household view.
Patrice is delivered as a web-based platform, with a free version covering core features and a premium plan at 49 €/year that unlocks advanced analyses and projections. Users can try a demo with realistic fictitious data without registration or providing payment details. The tool is positioned as an informational and organizational aid, not as an investment advisor, and does not execute transactions or provide personalized financial recommendations.
In the Personal finance & budgeting space, Patrice takes a focused approach. It focuses on gaining a clear overview of personal assets and investments without sharing sensitive banking credentials. Patrice is a consumer product aimed at french-speaking savers and investors. There is a free tier. Patrice is available on the web.
Patrice first shipped in 2024. Among its 6 catalogued features are asset tracking, investment overview, and no bank connection. The interface is available in 6 languages, including German, English, and Spanish.
Latest indexed changes and source events
Other apps tracked under the same category.
