Calibrations and real returns
Enter the value shown on your statement. Annual returns use the Modified Dietz method, deposits and withdrawals included.
Track your savings.Keep your data.
French tax wrappers, from PEA to assurance-vie and livrets, in a free and open source app that works fully offline.
Fully offline
No internet connection needed. Your numbers stay on your computer.
No account
No sign-up, no email, no password to remember.
Open source
The code is public and anyone can review it.
Free
Every feature, with no subscription and no ads.
What you actually earned, year after year.
Fructificare starts from your real transactions and the actual value of your accounts, not from assumptions.
Calendar and recurring transactions
Scheduled deposits are recorded automatically. Reminders, tax dates and upcoming transactions live in the same place.
Monthly budget
The share of your salary actually invested, your spending for the month and a pie chart that splits it by category.
Financial health score
A personal score that highlights what deserves your attention in your situation.
Try your scenarios before you live them.
The envelope simulator projects your portfolio ten, twenty or thirty years ahead: a bigger contribution, a crash, an early retirement. It is a playground, put your strategies to the test!
Your envelopes, in one click
A scenario starts from your real envelopes and their recurring contributions, or from a blank page.
Adjustable horizon
A year slider recomputes the projection live, up to the target date of your choice.
Crossover Point and FIRE target
The moment your interest overtakes your contributions, then the one where passive income covers your needs.
Cumulated fees
Contribution fees and annual fees added up to the horizon: a number that is often higher than expected.
The 8-4-3 rule
A guided exercise that shows compound interest accelerating, phase after phase.
Tax simulator
The second door on that page: what the taxman would take if you withdrew today.
French tax rules, built in.
Each account type follows its own rules. The tax simulator estimates what you would owe on withdrawals, at the flat tax or the progressive rate.
- PEA
- Assurance-vie
- Brokerage account (CTO)
- PER
- Livret A, LDDS, LEP
- Custom account types
Plus a PDF tax report to help you prepare your return.
Learn as you go.
A guided tutorial, trophies and monthly challenges help you build good habits at your own pace.
Guided tutorial
Each step introduces one feature and explains how to use it.
Trophies and levels
Badges reward consistency, including over the long run.
Built-in glossary
Financial terms are explained in one click, anywhere in the app.
Your data never leaves your computer.
No server, no trackers. Your backups are plain files, stored wherever you choose.
Typical online service
- Account required
- Data hosted on third-party servers
- Advanced features often paid
- Tax rules rarely tailored to France
Fructificare
- No account, opens instantly
- Data stored on your computer
- Every feature is free
- PEA, assurance-vie and PER built in
Install Fructificare in a few minutes.
Free for Windows, Linux and macOS. The macOS build is still experimental.