Mobile app

A native Android companion app covers the core net worth workflow, signing in with the same account (local email/password or single sign-on) as the web app. If your account has two-factor authentication on, signing in asks for the code from your authenticator app, or one of your recovery codes. If you forgot your password, the Forgot password? link on the sign-in screen (shown when the administrator has configured outgoing email) sends a reset link to your email; the link opens the web page where you choose a new password.

To use Patrimoine without the native app, install the web app instead: see Install as an app; for everything Patrimoine can do, see Features.

What it covers

The app covers:

• Dashboard, including what you can spend this month and which accounts count toward it. It also shows your net worth with its change over 1 month, 3 months, the year to date, 1 year or all time, the best and worst month, the split by account type, your savings goals as progress rings and how liquid your money is, plus how recent each account’s last snapshot is. Nothing needs to scroll sideways.
• Accounts and institutions (including archive/restore). From an active account’s menu, Close account moves what is left on it to another active account and archives it, as on the web: your net worth does not change. It needs a connection. When the two accounts use different currencies you enter the amount received. It is not offered for a liability or an account with a negative balance, and an account with no balance is simply archived. Leaving an account out of net worth is a menu entry and a switch: from an active account’s menu, Leave out of net worth (then Include in net worth once it is out), or the Include in net worth switch in the account form. An Excluded badge shows wherever the account is named: the account list and details, pickers and menus, snapshot entry, and a small icon on its column in the snapshot grid. A message says whether net worth went up or down and by how much (it goes up when you leave out a debt), or only that the account is out when its latest balance or exchange rate is missing; with privacy mode on, the amount is hidden. The setting needs a connection. An excluded account leaves the allocation charts, the Total of each date in the snapshot grid with its change column, and the widget’s totals, while the net worth charts and dashboard figures, which come from the server, leave it out as well. It stays in its own cells and balances, snapshot entry, alerts, reminders, savings goals and the Investments views. Each account row shows its balance over the last 12 months as a small line, green when it moved in the right direction (a liability that shrank counts as right) and red otherwise.
• Snapshots and charts, including the balance forecast. Under the net worth chart, Annotations lists the notes you pinned to your history, newest first, and lets you add, edit and delete them. The chart marks each note with a dashed line and a label chip, and the list is the same information as text. Adding, editing and deleting need a connection. Charts have a value axis and gridlines, and touching a chart shows the exact date and amount. The Allocation tab compares each account type’s share with the targets you set, which stay on this device, and shows the gap in points. The Evolution tab starts with where the growth came from: money saved (income minus spending, transfers between your own accounts left out) against market moves and other changes. The Analysis tab lists, for each account outside your budget (savings, investments, property), how much of its change over the period was money you put in (transfers in minus transfers out) and how much was returns and everything else, with a total row. An account with a transfer in a currency that has no exchange rate shows a dash instead of a guess.
• Financial independence: when your investments could cover your spending, the assumptions behind it, and a chart of the projected portfolio. You can change the withdrawal rate, the real return, a yearly spending of your own and the accounts that count as investments, then recalculate. It needs a connection. The retirement simulation stays on the web. A range of outcomes shows the date with a real return two points lower and two points higher than yours, and the chart draws all three.
• Reports: the cash flow of a period as a list of flows, from where your income came from to where it went, with each flow’s share. The diagram itself stays on the web. The reports you saved on the web open as tables too; building, renaming and deleting them stays on the web. It needs a connection.
• Analysis: the Analysis screen (risk and liquidity) and Budget Analytics, the Android counterpart of the Transaction charts, both in the Analysis section of the menu. Budget Analytics shows spending by category, income against expenses with a net line (touch a month for its figures), the savings rate with its 12-month average, and a cash flow view that walks one month from its income down through each category to what is left.
• Recurring snapshots: the reminders you set for recording balances, under Data in the menu.
• Budget and transactions (full CRUD), including each transaction’s status: mark it pending or cleared, and see which ones are reconciled and locked. Reconciling an account against a statement stays on the web. Deleting a transaction moves it to a trash that you open from the Transactions screen, where you can restore it, delete it for good or empty the trash. You can record a transfer between two of your accounts from the add form (choose Add transfer): both sides are created at once, and each side shows which account is on the other end. Linking existing transactions and transfer suggestions stay on the web. From a transfer row’s menu you can unlink it (not while one side is reconciled); deleting one side moves both sides to the trash. Split transactions show a Split badge; open View split from the row menu to see how the amount is divided. Splits themselves are edited on the web, and a split transaction’s amount and category are read-only on the phone. Select several transactions to edit them together: category, tags to add or remove, status (pending or cleared), date, account, description and label. Every field starts on Don’t change, and blank text keeps what each transaction already has. A result says how many were updated and which were skipped, with the reason (for example reconciled, part of a transfer or split). Saved filters work as on the web: open Saved filters on the Transactions screen and tap one to apply it in full (several categories, tags, accounts, an amount range, untagged only and uncategorized only). A criterion that no longer exists, such as a deleted tag, is ignored and you are told how many were left out. You can also save the filters on screen under a name, and rename or delete a saved filter; with many saved filters, a search field finds one by name. Each transaction has a Payee field, above Category: tap it to search your payees (the most used come first) and pick one, or create one from the text you typed when none matches; Clear removes it. Searching and creating need a connection. On a new transaction, picking a payee fills a blank category from the payee’s usual one, with a Suggested from payee note under the field, unless you turned off Suggest a category from the payee in Settings on the web; a category you picked yourself is never replaced. The list shows the payee in small grey text under the description, unless it reads the same. Editing several transactions together can set one payee on all of them (leave it empty to keep each one’s own; a bulk edit never clears a payee, and transfers are skipped). Renaming, merging and deleting payees stays on the web (see Payees). The transactions table is compact: the description column is wide, and tags show as coloured pills in a Tags column with the category under them, reached by scrolling the table sideways.
• Categories and subcategories, categorization rules, and tags. Subcategories are listed alphanumerically, and a Used by column shows how many transactions use each category or subcategory.
• Planned transactions (recurring transactions and former bills, merged). On a recurring item, On weekends keeps a date that falls on a Saturday or Sunday or moves it to the Friday before or the Monday after. The list shows the date the item will really post on and, when a weekend rule moved it, which rule. Changing the rule needs a connection. From a recurring item’s menu, Upcoming dates lists its next dates: Skip leaves one out without ending the series and Unskip brings it back. A skipped date is marked with an icon and the word Skipped, a date that has already passed cannot be skipped, and skipping needs a connection. The form has the same Payee field, and the payee goes on every transaction the item posts.
• Investments (full CRUD, plus market-data-assisted holding entry), including dividends, opened from a purchase’s menu: add one, correct its amount, ex-dividend date or pay date, or delete it. Each purchase shows its total cost including any fee; the fee is entered on the web or from the command line.
• Exchange rates (full CRUD).
• Savings goals and net worth thresholds. A goal’s form has a Paycheck schedule picker, so a goal with a deadline can show how much to set aside each payday on that schedule, or on your default schedule when you pick none. That line is kept for offline viewing.
• Envelopes: money set aside for expenses that are not monthly. The Envelopes screen (Reference section of the menu; the menu names Charts “Graphics” and Savings goals “Goals”) lists them with their progress, due date and suggested monthly amount, and shows what is free to use. You can create, edit, archive, restore and delete envelopes, add money or take it back, and mark one as paid. It needs a connection.
• Pay schedules: when you get paid. Open them from the calendar icon in the top bar of Envelopes or Savings goals. The Pay schedules screen lists your pay schedules with their cadence and next payday, and lets you add, edit or delete one and choose your default schedule. A schedule cannot be deleted while it is your default or an envelope or goal uses it. It needs a connection.
• Audit log.
• The full admin console (users, invites).
• The same System info page as the web app.

It also has a profile menu behind your initials (top right). It opens:

• Your Profile: name and email, and for email/password accounts also password, two-factor authentication and account deletion. Turning on two-factor authentication shows your first recovery codes once: save them before you close the sheet, they cannot be shown again. The same screen shows how many recovery codes you have left, warns you when only one or two remain, and replaces the whole set after you confirm your password; the new codes are shown once, like the first set. Email/password accounts also see the browsers signed in to the account, with when each was last used and from which network, and can sign one of them out, or all of them, after a confirmation. The list only covers browser sessions: this app signs in with its own token, listed under API tokens, so it never appears there and signing out everywhere else does not sign it out.
• The app’s own Settings, for language (French, English, Spanish, German or Italian), theme, security, API tokens and webhooks (add an HTTPS endpoint, see its delivery history, delete it; the signing secret is shown once).
• System and Audit Log.
• Help: it opens this documentation site in your browser and appears only when your server has one configured.
• About.
• Log out.

What’s different from the web app

Your custom theme is a web feature. In Settings, Custom theme shows the CSS you saved on the web, read-only, but the Android app keeps its own Material theme and never applies it; edit it on the web.

What it has that the web app doesn’t

• An optional biometric app lock.
• Privacy mode, a switch in Settings, or the eye button in the top bar of every screen (also in the profile menu), that hides every amount in the app and on the home-screen widgets on this device. It only hides amounts on screen; it does not lock the app.
• Text size, in Settings: a slider from 80% to 140% in steps of 10%. It applies to every screen and multiplies the font size set in Android’s own settings.
• Colors, in Settings: Ledger (navy and brass, the default), Olive Mono (sage and olive in light, charcoal and orange in dark, with titles and labels in a monospaced font) or System colors (follows your phone’s wallpaper, Android 12 and later). It is kept on this device and works with the light, dark or system theme.
• Home-screen widgets for net worth (all accounts, one account, or the accounts in one currency) and for a savings goal, each set up when you add it.
• A weekly reminder notification if you haven’t recorded a snapshot in 7 days.
• Offline-first browsing of previously loaded data. Read-only screens tell you when what you’re seeing came from the cache and how old it is.

Note

Importing and exporting always need a connection. Full backups let you choose which sections to export, and which to restore from a file (see Import and export). Importing an OFX statement flags probable duplicates (same date, amount and type as a transaction with no bank ID) and skips them unless you switch Skip probable duplicates off.