Frequently asked questions

Yes. Every feature, with no subscription, no paid edition, no ads and no account to create. The source code is public under the AGPL-3.0 license: anyone can read it, change it and redistribute it.

It tracks your envelopes (PEA, life insurance, brokerage account, PER, regulated savings), computes your real returns from your actual transactions, projects scenarios, estimates the tax on your withdrawals and keeps a calendar with the monthly budget.

No, and it is not meant to. It recommends no product and gives no investment advice. Tax calculations follow the French rules in force in January 2026 and are indicative only: they replace neither your tax return nor a professional opinion.

No, on purpose: a bank connection would mean sending your credentials to a third party. You record your own transactions, then "calibrate" by entering the value printed on your statement. Statement PDFs can be filed inside the application, which keeps them on your disk.

No. The application makes no network request for any of its features: fonts and the manual are embedded in the binary, and that absence of requests is checked automatically on every public build.

On your computer, in your user folder: automatic backups in "app.fructificare.desktop\save", imported documents in "app.fructificare.desktop\documents imp". Backups are plain JSON files you can open in a text editor: no closed format, no lock-in.

Not by default, they sit in plain text on your disk. You can turn on passphrase encryption (AES-256-GCM, PBKDF2-SHA-256 key derivation with 600,000 iterations) under Settings, Security. Be careful: that passphrase cannot be reset, and forgetting it means losing the data.

Export a backup from File, Export a backup, then import it on the new machine; copy the documents folder too if you filed PDFs there. There is no automatic sync between devices, for the same reason there is no server.

Yes. The binaries are not signed with a paid certificate yet, so SmartScreen warns about any uncommon program. Choose "More info", then "Run anyway". To make sure the file is the one that was built, compare its SHA-256 fingerprint with the published one.

Yes, since version 1.1.0. Linux comes as an AppImage, which runs on any distribution, and as a .deb package for Debian and Ubuntu. macOS comes as a .dmg, one file for both Intel and Apple Silicon, but that build is still experimental: it is compiled and launched automatically on every release, without the hand testing Windows gets. The download page recognises your system and offers the right file.

Through the issues of the GitHub repository. There is no forum for now: discussions happen there, in the open, and every request stays readable by anyone.