Score Patrimoine & Épargne

Enter a profile, age, family and working situation, income, then describe your holdings category by category: regulated savings, life insurance, share plans, property, crypto, bank accounts, retirement plans, including anything held in your children’s names. No bank connection is required.

The score is calculated immediately across five dimensions: diversification, risk-adjusted return, liquidity, protection and tax treatment. A premium subscription unlocks a detailed AI-generated analysis of each dimension, concrete recommendations with an estimated effect on the score, monthly updates and score history.

The method is deliberately opinionated. It does not assume a main residence is always a good investment, it penalises excessive bank fees, and recommendations account for your real marginal tax rate. A built-in directory connects you to independent wealth advisers who can personalise the analysis.

• A score out of 100 across diversification, return, liquidity, protection and tax
• No bank connection and no account linking: you describe your own holdings
• Two modes, one for recurring income and one for a sudden lump sum
• Detailed per-dimension analysis with an estimated score impact per recommendation
• A directory of independent advisers, filterable by speciality

Personal finance tools split into two camps: aggregators that want your banking credentials, and advisers who need an appointment before they will tell you anything. Neither answers the plain question of whether your savings are arranged sensibly. Score Patrimoine answers it in five minutes from figures you type yourself, and it is willing to say uncomfortable things, starting with the idea that owning your home is not automatically an investment.

The developer has been writing native Apple software since the first public iPhone SDK in 2008. He works from Rennes, France, under SAS Corvaisier, and has published 24 apps across 7 platforms, from iPhone and iPad through to Apple Watch, Mac, Apple TV, Android, Fire TV and Roku. Everything is built natively, one platform at a time, with no cross-platform wrapper in between.