Your whole estate, at a single glance.
Current and savings accounts, equity plans and securities accounts, life insurance, crypto, crowdlending, property and the loans against it. Badlen values what it can, keeps the history of the whole, and runs on a machine of your own with nothing else to install.
Net worth
€242,896.26
+€23,941.22+10.93 %Change over 1 year
Screen by screen
Net worth
€242,896.26
+€23,941.22+10.93 %Change over 1 year
- Net real estate53.2 %€129,300
- Stocks & funds35.7 %€86,796
- Savings accounts7.4 %€18,000
- Crowdlending2.2 %€5,300
- Current accounts1.0 %€2,500
- Crypto0.4 %€1,000
Property value €284,000, less €154,700 balance owed.
01Overview
Net worth over time, the split across categories and the recent movement. The curve is read over ten windows, from the last 24 hours to everything you hold history for.
Net worth
€242,896.26
- Assets
- €397,595.92
- Debts
- -€154,699.66
Assets€397.6k
Available5 %
- Savings accounts5 %
- Current accounts0.6 %
Invested22 %
- Stocks & funds22 %
- Crypto0.3 %
Tied up73 %
- Real estate71 %
- Crowdlending1 %
Family Value Share Running total Available €20,500.00 5 % Savings accounts2 accounts €18,000.00 5 % 4.5 % Current accounts1 account €2,500.00 0.6 % 5.2 % Invested €87,795.92 22 % Stocks & funds3 accounts €86,795.92 22 % 27.0 % Crypto1 account €1,000.00 0.3 % 27.2 % Tied up €289,300.00 73 % Real estate2 accounts €284,000.00 71 % 98.7 % Crowdlending1 account €5,300.00 1 % 100.0 % Total assets €397,595.92 100 % 02Wealth
A category per family of holdings, each opening a tab of accounts and a tab of movements. Each account then opens a sheet of its own.
Investment performance
Invested portfolio (Stocks & Funds)Invested
€66,000.00
Invested value
€86,795.92
Unrealized gain on your envelopes
€20,795.92
31.5 %
IRR
+5.1 %
TWR
+4.5 %
Volatility
14.1 %
Sharpe
0.17
Net worth 2026Change+€18,793.33Net contributions+€16,323.60Gains+€2,469.73
03Performance
Two readings that answer different questions: the whole estate in euros, and the invested portfolio as a percentage.
Wealth projection
Growth5%/yr
- Central (5 %)
- Conservative / Optimistic (±2 %)
Projection at a constant rate, without new contributions; dashed lines mark your milestones.
04Projections
What you hold, compounded against milestones you set, with a financial-independence figure stated at the end.
Cashflow
Salary€2.6kAnnual Bonus€912Studio Rent€480Budget€4kHousing€1.2kEveryday spending€885.1Leisure and going out€130.2Travel and transport€123Education and family€101.5Car and motorbike€79Subscriptions and phone€72Health€67.8Digital€35Available€1.3k05Budget
The month read against 1, 3, 6 or 12-month windows, over a perimeter of accounts you choose.
Saving and investing
Purchasing power
Borrowing
Wealth simulator
See the monthly passive income your wealth can generate.
Current wealth100,000€
Annual investments6,000€
Number of saving years20yrs
Withdrawal rate4%
Net value in 20 years
€359,951.66
that is a passive income of about €1,199.84 / month
- Initial wealth€100k
- Contributions€120k
- Net interest€140k
Compound interest calculator
Compute the compound interest your investments can generate.
Initial capital10,000€
Monthly savings100€
Investment horizon20yrs
Interest rate7.1%
Final capital
€90,760.14
after 20 years
- Interest€56.8k
- Contributions€34k
Savings goal
Find the monthly savings needed to reach a capital goal.
Goal100,000€
Starting capital5,000€
Annual rate7.1%
Horizon10yrs
Required monthly savings
€523.87
To reach €100,000.00 in 10 years, save €523.87 per month.
- Starting capital€5k
- Contributions€62.9k
- Goal€100k
Your wealth tested against the markets
Replay your wealth across thousands of randomly drawn markets.
Starting capital242,896€
Withdrawal rate4%
Horizon30yrs
Volatility15%
Scenarios that hold
85 %
In half of the scenarios, more than €347,613 is left after 30 years.
Rule of 72
Estimate the time needed to double your capital at a given rate.
Annual rate7%
Your capital doubles in
10.3 years
Approximation: 72 / rate, in years.
Monthly budget calculator
Visualize your budget and savings rate from your income and expenses.
Income2,500€
Expenses1,090€
Investments400€
Remaining available
€1,010.00
Your savings rate is 16 % (possible savings rate: 56 %). You have a total income of €2,500.00, expenses of €1,090.00 and you invest €400.00 every month, leaving you €1,010.00 available.
- Housing€620
- Daily life€400
- Subscriptions€70
- Monthly investments€400
- Remaining available€1,010
Gross to net salary
See what is left of a French private-sector salary once contributions are taken.
Gross per month3,000€
StatusNon-executive
Net before tax, per month
€2,374.79
€15.66 an hour · €28,497.48 over twelve months
- Gross€3,000.00
- Contributions€625.21
- Of the gross79.2 %
Your salary against inflation
Measure what your salary still buys, against the prices Insee publishes.
Apr 20192,000€
Jan 20232,200€
Your salary has lost
8.0 %
of purchasing power since Apr 2019
- Your salary
- Indexed on prices
Monetary erosion
See what inflation takes away from your purchasing power over the years.
Initial capital10,000€
Annual inflation rate2%
Horizon20yrs
Residual purchasing power
€6,729.71
€10,000.00 over 20 years at 2 % inflation: €6,729.71 in today's money.
- Nominal value€10k
- Purchasing power€6.7k
- Lost€3.3k
A loan's payment and cost
Estimate your monthly payments and what a loan costs in total.
Loan amount100,000€
Repayment period20yrs
Interest rate3.5%
Insurance rate0.15%
Monthly payment
€592.46
Of which insurance €12.50/month
- Principal
- Interest
- Insurance
Borrowing capacity
Estimate how much you can borrow, from your income and your debts.
Net monthly income 12,500€
Max debt-to-income35%
Loan rate3.5%
Term20yrs
Borrowing capacity over 20 years
€150,872.55
Amount you can borrow at the chosen rate and term.
- Total income€2,500.00/mo
- Debt ratio35 %
06Simulators
Eleven calculators, from compound interest and a Monte-Carlo run to a gross to net salary, a loan payment and a monthly budget drawn as an editable Sankey.
The rest of the menu reads those same figures its own way: Advice turns them into cards to act on, Goals measures them against the safety cushion and the goals you set, Evolution draws allocation drift and portfolio change, and Fees collects what each platform and each product costs you. The gallery shows every screen the menu opens, and the introduction goes through them in words.
And a course beside the figures
Learn is a finance course in eight chapters with quizzes, a glossary of concepts and a wealth pyramid. It is part of the product: three screens read their thresholds from it. A ring at the top of the sidebar tracks twenty-seven light achievements, in four tiers, which take you round the application one step at a time.
One button, Hide amounts, blanks every figure in the whole application. It is the only privacy switch in the product.
The arithmetic of the long run
What multiplies capital, what erodes it without ever appearing on a statement and how to read a return without fooling yourself.
Risk, horizon and how capital is split
Telling price variation apart from permanent loss, then sizing each sleeve by its horizon and by the loss it can absorb.
BadlenNet worth
€••••€242,896.26
+€••••+€23,941.22+10.93 %
Achievement unlocked
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How the figures get in
Nothing here signs in to a bank, and the section under this one opens on exactly that. It does not follow that everything is typed.
- Your assistant
Ask, instead of typing
Badlen ships an MCP server, and any MCP client registers it: Claude Code and Claude Desktop are two. Point your client at the statement your bank gave you and ask for it to go in: it reads the file where it already sits, pulls the operations out, shows you what is new against what the account already holds, then writes the batch. A statement sent twice lands once.
Badlen calls no model and stores no model key. The reading happens on your machine, under the model you already pay for or run, and nothing of the file reaches the database except the operations. A client driving a model you run yourself, through Ollama for instance, reaches the same tools, though teaching it to read a statement well is advanced work.
It is the one way here that asks for more than the ordinary install: the server is a Node script your client starts outside Docker, so the machine that client runs on wants Node, pnpm and a clone of the repository.
- A key you issue
Or drive it yourself
Settings → Access issues scoped keys, and
/api/v1is what they open: accounts, balances, holdings and batches of operations, with a dry run that writes nothing and tells you what the real one would do.The MCP server is one client of that surface. A script of your own is another, and it is the same route and the same key.
- By hand
One figure, one date
An account, a balance on the day it moved, an operation in its register. It needs nothing installed and no key issued.
For a savings book, a life insurance contract or a flat this is not a fallback: no quote and no chain values those, so the figure you state is the only one there is.
- Without you
The part that fills itself
A security entered by its ISIN is quoted from outside sources, and a nightly run refreshes every quote and records the day's net worth. The value of a portfolio is not a figure anybody has to restate each month.
A crypto wallet declared by its public address asks the chain what it holds. It asks you for no credential, because a public address is not one.
And a Badlen export goes back in whole, which is how an instance moves to another machine.
And now what it does not do
Badlen connects to no bank, and that is the law: reading a payment account in the European Union is reserved to registered entities, identified to the bank by a certificate carrying their registration number, and no free program you install on your own machine holds one. The figures get in the four ways above instead.
What follows from it is that balances are what you type. That is by design: the estate Badlen reads is the one its owner states, which is why it holds no bank credential of yours and why nothing of it has to leave the machine. Where that ends is written out limit by limit, each one with its reason.
Ready to install it?
One machine, Docker, and your figures never leave it.