Features
Patrimoine brings all your accounts into one net worth figure and helps you follow it over time. This page lists what you can do, grouped by goal. The last column shows where each feature is available: the Web app, the Android app, or both. Follow the links for step-by-step instructions.
Follow your net worth
Section titled “Follow your net worth”| Feature | What it does | Available on |
|---|---|---|
| Net worth over time | Combines every account you count in net worth into a single evolution chart | Web, Android |
| Many kinds of account | Bank, savings and investment accounts, plus loans and other liabilities | Web, Android |
| Exclude from net worth | Keep an account visible but out of every net-worth total. See Accounts and institutions | Web |
| Equity of an asset | Link a loan to a property or other asset to see its value minus the loans. See Accounts and institutions | Web |
| Several currencies | Hold accounts in USD, GBP, CHF, JPY and more; everything is converted to your base currency with daily exchange rates or rates you set yourself | Web, Android |
| Dashboard | Several named dashboards shown as tabs, with cards you can move, resize and hide: net worth and trend, assets and debts, allocation, milestones and quick actions. See the Dashboard | Web |
| Dashboard on Android | Net worth, accounts, savings goals and liquidity at a glance | Android |
| Investments | Holdings with quantity, buy price and current price, gains and total return, a portfolio summary, and (on the web) dividends you record from a holding’s menu. See Investments | Web, Android |
| Exchange rates | Daily rates fetched for you, manual rates, and a check that every date you need is covered. See Exchange rates | Web, Android |
Record your balances
Section titled “Record your balances”| Feature | What it does | Available on |
|---|---|---|
| Snapshots | Record the balance of several accounts at once; the form starts from your latest values. See Snapshots and history | Web, Android |
| Snapshot grid | See every account by date in one table, with changes colored against the previous balance | Web, Android |
| Recurring reminders | Get a notification in the bell when it is time to record balances, by email too if you choose it | Web, Android |
| Weekly reminder notification | A notification if you have not recorded a snapshot for 7 days | Android |
| History | Review past snapshots in one filterable table. On the web, an Undo message after a delete brings a snapshot back | Web, Android |
Import and export
Section titled “Import and export”| Feature | What it does | Available on |
|---|---|---|
| Spreadsheet import | Import CSV, ODS or XLSX files with a preview and automatic account matching. See Import and export | Web, Android |
| French bank statements | Recognizes the CSV format of Crédit Agricole, BNP Paribas, LCL, Société Générale, Caisse d’Epargne, Banque Populaire and Crédit Mutuel | Web, Android |
| Bank file import | Bring in bank transactions from an OFX, QFX, QIF or CAMT file, or from a CSV of any bank through a column mapping. See Budget | Web, Android |
| Backup and restore | Export everything to a JSON file and restore it later, without creating duplicates | Web, Android |
| Data export | Export your data as CSV, JSON, ODS or XLSX | Web, Android |
Charts and analysis
Section titled “Charts and analysis”| Feature | What it does | Available on |
|---|---|---|
| Nine chart views | Net worth, by account, by type, allocation, evolution, comparison, analysis, tracking and balance forecast, with period filters and custom dates. See Charts and analytics | Web, Android |
| Reports | Four report tabs: the date your investments could cover your spending, a cash flow diagram of where your income goes, a report builder with saved reports, and a retirement simulation. See Reports | Web |
| Financial independence on Android | The date your investments could cover your spending, the assumptions behind it and the projected portfolio, with the withdrawal rate, real return, yearly spending and investable accounts editable. Needs a connection | Android |
| Cash flow on Android | Where your income went in a period, as a list of flows with their share of the total. The diagram is on the web. Needs a connection | Android |
| Saved reports on Android | Open a report you saved on the web and read its result as a table. Building, renaming and deleting reports stays on the web. Needs a connection | Android |
| Projections | A growth projection on the net worth curve, based on your own history | Web |
| Risk and liquidity | How concentrated your wealth is, and how much sits in each availability horizon, with months of emergency fund | Web, Android |
| Heatmaps and waterfall | See how often you record and how your balance varies, and what each account contributed to a change | Web, Android |
| Drawdown | Peak-to-trough declines in your net worth | Web, Android |
| Annotations | Add notes on a chart to remember what happened | Web, Android |
| Treemap | Your holdings sized by market value, grouped by account or institution | Web, Android |
| PDF report | Download the charts and analysis as a PDF | Web |
Budget and goals
Section titled “Budget and goals”| Feature | What it does | Available on |
|---|---|---|
| Transactions | Record income and expenses with a category, description, date and account. See Budget | Web, Android |
| Transaction status | See whether each transaction is pending, cleared or reconciled, and mark it pending or cleared. Reconciling an account against a bank statement is web-only. See Budget | Web, Android |
| Bulk edit | Select several transactions and change their category, tags, status, date, account, description or label in one go; a result lists the rows that were skipped and why. See Budget | Web, Android |
| Transaction trash | Deleted transactions wait in a trash, where you can restore them, delete them for good or empty it. See Budget | Web, Android |
| Transfers | Record money moving between two of your accounts as one transfer; its two sides are linked and marked in the list, and can be unlinked. Linking existing transactions and transfer suggestions are web-only. See Budget | Web, Android |
| Split transactions | Divide one payment across several categories, with a running remainder; budgets and category charts count each line. On Android you can view a split’s lines but not edit them. See Budget | Web, Android (view) |
| Saved filters | Save the filters on the transactions page under a name and apply them again in one click. See Budget | Web, Android |
| Merge duplicates | Combine copies of the same payment into one, choosing which to keep; the others go to the trash. Review all probable duplicates on a dedicated screen and merge them in bulk. See Budget | Web |
| Monthly budgets | Set a limit per category with progress bars and rollover, and compare budget with actual spending. On the web, one month can have its own limit, copied from the previous month or set to an average of earlier months; Android shows the default limit | Web, Android |
| Planned transactions | Plan upcoming and recurring transactions and choose which post automatically. See Planned transactions | Web, Android |
| Weekend rule | Choose whether a recurring planned transaction keeps a date that falls on a weekend or moves it to the Friday before or the Monday after; the list shows the date it will really post on. See Planned transactions | Web, Android |
| Skip a date | Leave one upcoming date of a recurring planned transaction out without ending the series, and bring it back later. See Planned transactions | Web, Android |
| Savings goals | Set a target and a date, link a goal to an account, follow the projected completion, see an amount per paycheck from a pay schedule and see when a goal would be reached with a contribution template. See Savings goals | Web, Android |
| Envelopes | Set money aside for expenses that are not monthly, with a suggested monthly amount (or per paycheck from a pay schedule) and a free-to-use figure. See Envelopes | Web, Android |
| Notification center | A bell in the top bar lists alerts (budget overspent, bill due, stale snapshot, net worth threshold, snapshot reminder); choose in-app, email, both or off for each kind. See Settings and profile | Web |
| Alert rules | Choose when the server alerts you: a category budget reaching 80 % and 100 %, a bill due in a set number of days, an account with no snapshot for a set number of days | Web |
| Planned calendar | See planned transactions as a month calendar. See Planned transactions | Web |
| Subscriptions | Yearly cost of your repeating expenses, price changes and detected subscriptions. See Planned transactions | Web |
| Net worth thresholds | Be notified when your net worth crosses a level you chose | Web, Android |
| Scheduled reports | Receive a summary of your finances by email. See Scheduled reports | Web |
Organize
Section titled “Organize”| Feature | What it does | Available on |
|---|---|---|
| Accounts | Table or card view, sorting, bulk actions, archive and restore, and close an account by moving its balance to another one. See Accounts and institutions | Web, Android |
| Institutions | Group accounts by bank or broker, with a color that accounts inherit and an aggregated balance | Web, Android |
| Categories | Categories and subcategories, with starter sets and drag-and-drop ordering | Web, Android |
| Categorization rules | Categorize transactions automatically as you import them. See Categorization rules | Web, Android |
| Tags | Label transactions to follow spending that cuts across categories. See Tags | Web, Android |
| Payees | Keep track of who you paid or who paid you, with aliases for the different spellings your bank uses, a default category, a merge for duplicates, one action to give a category to similar transactions, and a payee on planned transactions. See Payees and Applying a category to similar transactions | Web |
| Colors | Pick account and institution colors from a palette, or enter your own | Web, Android |
| Long lists | Lists of more than 50 rows (tags, accounts in table view, planned transactions, users) show 50 rows at a time. Choose 100 or 250 rows, or jump to a page, with the controls under the list | Web |
Use it anywhere
Section titled “Use it anywhere”| Feature | What it does | Available on |
|---|---|---|
| Web app | Works in any modern browser and installs like an app. See Install as an app | Web |
| Offline access | Browse data you already loaded without a connection | Web, Android |
| Android app | A native companion covering the core workflow. See Android app | Android |
| Home-screen widgets | Net worth (all accounts, one account or one currency) and savings goals on your home screen | Android |
| Biometric lock | Ask for your fingerprint or face when the app opens | Android |
| Five languages | French, English, Spanish, German and Italian, with dates and amounts formatted for your locale | Web, Android |
| Light and dark themes | Follow your system or pick light or dark. See Settings and profile | Web, Android |
| Skins | Six skins, each in a light or dark mode, chosen separately in Settings | Web |
| Custom theme | Override the colours and corner radius of your skin with CSS custom properties, saved to your account. See Settings and profile | Web |
| Keyboard shortcuts | Move between pages with Ctrl+1 to Ctrl+9, add a snapshot with Ctrl+N, and show help with Ctrl+/, and hide amounts with Alt+P |
Web |
| Command palette | Press Ctrl+K or use the search button in the top bar to run a command (new snapshot, new transaction, switch theme, privacy mode, go to any page) or search your data by name |
Web |
| Privacy mode | Hide every amount on screen with the eye button in the top bar or Alt+P. The setting is remembered on this device, and the PDF report is masked too; CSV, Excel and OpenDocument exports and backups are never masked. On Android, use the switch in Settings or the eye button on the Dashboard; the home-screen widgets follow |
Web, Android |
| Guided tour | A five-step tour of the main areas, offered once to new accounts and available any time with Start the tour in the profile menu | Web |
| Drag and drop | Move and resize dashboard cards, and reorder accounts and dashboards, with the mouse, touch or keyboard | Web |
Share and protect
Section titled “Share and protect”| Feature | What it does | Available on |
|---|---|---|
| Sign-in options | Single sign-on with your own identity provider, or email and password. See Security | Web, Android |
| Two-factor authentication | Protect an email-and-password account with a one-time code | Web, Android |
| Password reset | Request a reset link by email from the Login page when the administrator has configured outgoing email; the link opens the web page where you choose a new password | Web, Android |
| Recovery codes | Sign in with one of ten single-use codes when your authenticator app is lost | Web, Android |
| Active sessions | See every browser signed in to your account and sign out the ones you don’t recognise | Web, Android |
| Several users | Share one server with your household; an administrator manages users and invitations. See User management | Web, Android |
| Audit log | A searchable record of who changed what and when | Web, Android |
| API tokens | Let your own scripts read and write your data | Web, Android |
| Command-line client | Work with your accounts, categories, payees, planned transactions, snapshots and transactions, read your notifications and export your data from a terminal with an API token. See Command-line client | Terminal |
| Webhooks | Notify another service when a snapshot is created, updated or deleted, an alert fires, a bill comes due or an automatic posting fails | Web, Android |
| Account deletion | Delete your own email-and-password account and its data; accounts that sign in through single sign-on ask an administrator | Web, Android |