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, from two containers, and nothing leaves it. 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 that neither of you sees from the other, as Managing users describes.

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 itself reads in French or English, picked in Settings and switched whenever you like. The addresses stay French in both: /patrimoine is the wealth screen whichever language you read it in, and this site writes them the way the browser shows them.

Where you stand

Overview is the landing screen, at /: 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. One button here, Hide amounts, blanks every figure in the whole application. It is the privacy switch of the product, and this is its only switch.

Advice reads rules over your portfolio and returns cards, filtered 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.

What it is doing

Evolution draws allocation drift and portfolio change. Performance offers two readings 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 compounds what you hold against milestones you set, and states a financial-independence figure.

What you are aiming at

Goals opens with the safety cushion, a month’s cost and a number of months, and the rest of the product refers back to it. Below it, goals you create and fund by linking accounts to them. Budget reads the month against 1, 3, 6 or 12-month windows, over a perimeter of accounts you choose.

Operations, categories and rules

Every account carries a register of operations, with search, filters by account, category, direction and period, and a one-click pass that categorises everything the rules can place. The category tree ships filled: nineteen top-level categories with sub-categories under each, income and internal transfers included, and rules you write once file the operations that follow.

Beside the figures

Simulators is eight calculators: net-worth projection, compound interest, a savings goal, a Monte-Carlo run, a mortgage, a monthly budget drawn as an editable Sankey, monetary erosion, and the rule of 72. 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, and three screens read their thresholds from it.

A ring at the top of the sidebar counts twenty-four small things to do, in four tiers, each naming what the application can tell you once it is done. They are listed under Progress and achievements.

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

Where to go from here

Limitations

No bank sync, one currency, and balances you type yourself. The page to read before you decide. Read the limits

The demo account

Sixteen years of sample data in an account that refuses every write, for walking the screens above without holding anything. Read how it works

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