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Wealth & Portfolio Tracking

The Patrimoine (Wealth) module provides an aggregated balance sheet of personal net worth, combining liquid cash, savings, stock portfolios, real estate goals, and debt liabilities.

Net Worth Equation

Finly continuously computes personal net worth according to standard accounting principles:

\[\text{Net Worth} = \text{Gross Assets} - \text{Total Liabilities}\]

Asset Categories (Gross Assets)

  1. Liquid Checking Accounts: Settled cash in demand deposit accounts.
  2. Protected Savings Accounts: Guaranteed deposits in Livret A, LDDS, LEP, and term deposit accounts.
  3. Equities & Investment Portfolios: Market value of PEA, Compte-Titres (CTO), and retirement accounts.
  4. Real Estate & Asset Goals: Current accumulated savings or estimated property values from Project goals.
  5. Cryptocurrency & Foreign Exchange: Digital assets and foreign currency cash balances.

Liability Categories (Total Liabilities)

  1. Mortgages: Outstanding principal capital on real estate loans.
  2. Personal & Auto Loans: Remaining unpaid debt balances.
  3. Student & Consumer Debt: Short and long-term amortizing credit lines.

Equities & Stock Portfolio Hub

Finly tracks stock holdings, exchange-traded funds (ETFs), and mutual funds within brokerage and PEA accounts:

Metric Computation Formula Description
Position Market Value \(\text{Market Value} = \text{Quantity} \times \text{Current Price}\) Real-time valuation of the held position.
Cost Basis (PRU) \(\text{Cost Basis} = \text{Quantity} \times \text{Average Purchase Price}\) Total invested capital in the holding.
Capital Gain / Loss \(\Delta = \text{Market Value} - \text{Cost Basis}\) Absolute gain or loss in Euros.
Performance (%) \(\text{Return} = \frac{\text{Current Price} - \text{Average Purchase Price}}{\text{Average Purchase Price}} \times 100\%\) Percentage return on invested capital.

Live Market Price Updates

Finly fetches delayed live market prices and quotes via open financial market interfaces (such as Yahoo Finance):

  • European equities (.PA ticker suffix for Euronext Paris, .DE for Frankfurt, .AS for Amsterdam).
  • Global index ETFs (e.g., CW8.PA, EWLD.PA, S&P 500).
  • US equities and international securities.

Real Estate & Savings Projects

Users can track capital targets and asset milestones in the Projets view:

  • Savings Projects: Emergency funds, travel budgets, car purchases with monthly contribution tracking and target deadlines.
  • Real Estate Acquisition Projects: Track property targets, address, surface area in square meters, notary fees, down payments, and linked financing accounts.