Introduction

Badlen records what a household owns, values what it can, and keeps the history. All of it runs on one machine of your own, and nothing you record leaves it: Where the data comes from names the services it asks for prices. Eleven account types cover the ordinary shapes: current and savings accounts, securities accounts (CTO), equity savings plans (PEA), life insurance, crypto wallets, crowdlending, property, loans, physical objects, and a catch-all. They are filed under ten categories, each with its own screen. A household here is one account: a second person on the same instance keeps an estate of their own, and neither of you can see the other’s (see Managing users).

Three French names, kept as they are

Badlen is a French product, and the rest of this site uses the short French names: an English one would name a different thing.

• A PEA (plan d’épargne en actions) is an equity savings plan: a share and fund account with a ceiling on what you pay into it, whose gains leave income tax behind once it is five years old.
• A CTO (compte-titres ordinaire) is a plain securities account: no ceiling, no waiting period, and every gain taxed the year you take it.
• Life insurance (assurance-vie) is not a death-benefit policy. It is a savings contract holding funds and shares of its own, beside a capital-guaranteed pocket called a euro fund, and it has a tax break of its own after eight years.

The interface is available in French and English: pick the language in Settings and change it whenever you like. The addresses stay French in both: /patrimoine is the wealth screen whichever language you use, and this site writes them the way the browser shows them.

Overview, Advice and Wealth

Overview is the landing screen, at /: net worth over time, the split across categories, and the recent movement. The curve covers ten periods, from the last 24 hours to all the history you have. This screen also holds Hide amounts, which blanks every figure in the application. It is the product’s only privacy switch.

Advice applies rules to your portfolio and returns cards, which you can filter by whether each one is a warning, a remark or a confirmation. Wealth is the way into what you own: a category per family, each opening a tab of accounts and a tab of movements, and each account opening a sheet of its own with between two and four tabs depending on what it holds.

Evolution, Performance, Fees and Projections

Evolution draws allocation drift and portfolio change. Performance offers two measures that answer different questions: the whole estate in euros, and the invested portfolio as a percentage. Fees collects what each platform and each product costs you, in editable tables. Projections grows what you hold towards milestones you set, and gives an estimate of financial independence.

Goals and Budget

Goals opens with the safety cushion (a month’s cost times a number of months), which the rest of the product refers back to. Below it come the goals you create and fund by linking accounts to them. Budget compares the month with 1, 3, 6 or 12-month periods, across the accounts you choose.

Operations, categories and rules

Every account keeps a register of operations. You can search it, filter it by account, category, direction and period, and categorise in one click everything the rules can place. The category tree ships filled: nineteen top-level categories, each with its sub-categories, income and internal transfers included. A rule you write once files the operations that follow.

Beside the figures

Simulators holds eleven calculators, sorted by the question they answer. To grow a capital: net-worth projection, compound interest, a savings goal, a Monte-Carlo run and the rule of 72. To weigh an income: a monthly budget drawn as an editable Sankey, gross to net salary, a salary set against published prices, and monetary erosion. To see what you can buy on credit: a loan’s payment and a borrowing capacity. Learn, at /apprendre, is a finance course in eight chapters with quizzes, a glossary of concepts and a wealth pyramid. It is part of the product rather than of this site, it is written against French tax rules and French wrappers, and three screens take their thresholds from it.

A ring at the top of the sidebar counts twenty-seven small things to do, in four tiers. Each one says what the application can tell you once it is done. The full list is in Progress and achievements.

Settings hold the profile and the investor questionnaire, the appearance, the categories and rules, security and two-factor authentication, the API keys that give access to the MCP server, the data export and import, plus users and sign-up for an administrator only.

Nothing reaches Badlen from a bank. What you hold comes in one of five ways: the forms, your own assistant, a file, the REST API and, for a crypto wallet, the chain itself. The five ways in helps you pick the one that suits what you have.

Where to go from here

How it stays current

What runs every night on its own, what you enter yourself, and why no bank ever sees your accounts. The page to read before you decide. Read how it works

Try the demo

The whole application in your browser, on sixteen years of sample data. Change anything: reloading the page puts it back. Read about the demo

Install

Docker, three secrets and one compose command, on a machine of your own. Read the guide

Your first account

What to open first once the instance is up, and which box expects which figure. Take the first steps