Your entire net worth, in one place. And nowhere else.
Accounts, budget, loans, net worth and stock investing, synced across all your devices. Your data stays in your iCloud, end-to-end encrypted — no servers, no ads, no tracking.
No account to create: your iCloud is enough. Available in English, French and Hungarian.
Four modules, one complete picture
PatrimoniApp brings together what is usually scattered across spreadsheets, banking apps, portfolio trackers and paper statements. One data model: every amount is counted exactly once.
A complete overview, at last
Real estate, stocks, ETFs, tax-advantaged accounts, life insurance, property funds, crypto, cash… your entire net worth is inventoried and valued in one place.
- Positions and cost basis: gains and losses calculated automatically.
- Dividends and interest tracked over time, with an estimate of what your interest-bearing savings earn.
- Financial goals with progress and target date.
- Monte Carlo simulation (10,000 runs) to estimate your odds of reaching your capital target.
- Real exposure: equities, bonds, cash, property… and their geography, including what your wrappers hold.
Investing, without leaving your net worth behind
Your holdings don’t live in a second app: they feed straight into your net worth, with no double counting.
- Account types that match your country: ISA, 401(k), IRA, Superannuation, brokerage accounts, PEA, PEE, PER… with cash and securities kept clearly apart.
- Guided buy and sell orders: estimate before you confirm, weighted average cost, FIFO disposals, dividends credited automatically.
- Automatic end-of-day capture: your portfolio archives itself every trading day, at the chosen market’s time — no need to open the app, no file to import.
- Time-weighted performance, compared with the benchmark you choose from 17 markets: your own contributions are never counted as a gain.
Your budget, without the effort
Log an expense in seconds, or let the app do the work from your bank statements.
- Statement import (OFX, QIF, CSV) with automatic categorization and duplicate detection.
- Custom categories and category budgets: sub-categories count automatically, sub-limits are never counted twice.
- Recurring transactions and a schedule of upcoming operations.
- Monthly and quarterly reports, cash-flow projection, savings rate.
Your loans, under control
Follow every loan from the first payment to the last, and measure its real weight in your net worth.
- Detailed schedules and rate revisions.
- Outstanding balance visible at a glance.
- Debt ratio calculated continuously.
- Built into your net worth: your debts are deducted automatically.
Tools that work for you
AI assistant
Ask questions in plain language and get an analysis of your situation. The assistant uses your own API key, and history stays on your device.
Market data
Stock and ETF prices, fund NAVs and exchange rates kept up to date automatically, with the daily change holding by holding and your benchmark index.
Reports & exports
Monthly, quarterly, stock and “Investable wealth” reports, interactive charts and summaries ready to archive — exportable as PDF, Excel or CSV.
iPhone, iPad and Mac
One app, synced across all your devices, with widgets, Siri shortcuts and built-in help. Interface in English, French and Hungarian.
Your finances are nobody’s business but yours
PatrimoniApp was designed as the opposite of typical financial services: your data never passes through our hands.
- Your data stays in your iCloud, end-to-end encrypted (AES-256-GCM).
- No publisher servers, no ads, no tracking.
- Secure family sharing to manage wealth together, revocable at any time.
- Bank statements are processed locally on your device, never transmitted.
As simple as it gets
- No ads, no in-app purchases.
- No account to create: your iCloud is enough.
- Wealth, investing, budget, loans, reports, AI assistant, widgets… everything is included.
- Your data belongs to you, today and tomorrow.
Frequently asked questions
Is PatrimoniApp really free?
Yes. The app is free, with no ads and no in-app purchases. Every feature is included.
Where is my data stored?
On your devices and in your own iCloud account, end-to-end encrypted (AES-256-GCM). The publisher has no servers and cannot access it.
Do I need to create an account?
No. PatrimoniApp uses the iCloud account already on your device. No sign-up, no extra password.
Can I track my stock investments?
Yes. The investing module handles your investment accounts (ISA, 401(k), IRA, Superannuation, brokerage, PEA, PEE, PER…), buy and sell orders, dividends, the daily history of your portfolio and a dedicated report with PDF, Excel and CSV exports. The app only offers the account types that exist in your country.
Do I have to connect my broker account?
No. PatrimoniApp connects to no bank and no broker. You enter your orders, or import your broker’s positions statement as a CSV file; only security prices are fetched automatically.
How is my portfolio performance calculated?
As a time-weighted return: your contributions and withdrawals are neutralised and never counted as a gain. Performance is therefore comparable with the benchmark you choose, from 17 markets (S&P 500, Nasdaq, FTSE 100, DAX, MSCI World, CAC 40…).
Can I see what my wealth is really exposed to?
Yes. The Exposure screen breaks your wealth down by asset class — equities, bonds, cash, property… — taking into account what your wrappers hold: a pension plan or a life-insurance contract is not an asset class in itself. Each class is split by region, and the “Investable wealth” report analyses your allocation excluding your main residence.
Does PatrimoniApp calculate the interest on my savings?
Yes, if you wish. Enter the rate of a savings account, term deposit, euro fund or bond: the app estimates the year’s interest, the next credit and the amount after tax, following each product’s own rule. These are indicative estimates, never added to your balances or your net worth: only your bank’s calculations are authoritative.
Does the AI assistant have access to my finances?
The assistant is optional. If you use it, only your questions and the context you choose to include are sent to the AI service, with your own API key. Conversation history stays on your device.
Can two people manage wealth together?
Yes. Family sharing lets you invite another person (for example your partner) via iCloud. You choose their role and can revoke access at any time.
How do I import my bank statements?
Export an OFX, QIF or CSV file from your bank, then import it into the app: transactions are processed locally, categorized automatically and duplicates are detected.
Which devices and languages?
iPhone and iPad (iOS/iPadOS 18.6 or later) and Mac (macOS 26 or later). The interface is available in English, French and Hungarian, and the language can be changed inside the app.
Finally see your whole net worth
Download PatrimoniApp for free and stay in control of your data.