Épargna+
Your whole net worth on a single screen
Current accounts, savings, life insurance, stocks, crypto, property, loans: the Épargna platform brings them together in one place, keeps them up to date and shows you where you stand — line by line, with no spreadsheet to maintain. It also prepares your tax return by telling you which forms apply to you.
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Bank connection is running in a test environment
Right now, the link to banks points to our provider’s sandbox: it exists to check the journey, not to fetch your real accounts. Do not enter your real banking credentials. The rest of the platform already works with manual entry. This warning will disappear on its own the day the live connection opens.
What it is
A dashboard for your net worth. You declare — or link — your bank accounts, regulated savings, life-insurance policies, brokerage accounts, crypto, property and loans. The platform adds them up, sorts them, tracks how they move and gives you an up-to-date picture.
It is a tool for information and organisation. It shows you your situation; it does not judge it for you and does not tell you what to buy. Épargna’s educational side — the guides and the comparisons — stays freely available, and will stay that way.
What you get out of it
Each block answers a question people actually ask — and one a spreadsheet stops answering after six months.
How much I have, all in
Your net worth — what you own minus what you owe — and its curve over time. One figure, kept current, instead of eight apps opened one after the other.
What each line is worth
Position-by-position detail, each with its unrealised gain or loss. Crypto holdings are valued at the current quote.
What I still owe
Your outstanding loans, their monthly payments, and what they weigh against what you own.
What comes in and what goes out
Your monthly flows, to see what is actually left at the end of the month — and what the saving effort really bears on.
Where my risks sit
How concentrated your net worth is (does one line weigh too much?) and how liquid it is (how much could be freed up quickly?). Two factual readings, not a score.
In which tax wrappers
The split across wrappers — PEA, life insurance, brokerage accounts, savings books — and what each one implies. That is often where two otherwise identical situations diverge most.
Which forms for my tax return
The tax assistant lists the boxes and schedules that concern you given what you hold, and the documents to gather. It prepares; it neither computes nor files.
Why you can trust us with this
Being wary of a site that asks for access to your accounts is a healthy reflex. Here is what is actually in place — no grand phrases, and nothing promised that the architecture does not hold.
Encrypted at rest, and walled off per member
Sensitive data is encrypted with AES-256-GCM. Each member has their own derived sub-key: the key that opens your data opens nobody else’s.
Your IBAN is never stored in the clear
We keep only a fingerprint of it, enough to recognise an account from one sync to the next, never enough to rebuild the number.
Second factor, your choice
You can lock your account with a one-time code (authenticator app) or a passkey — fingerprint, face or hardware key.
Sensitive actions ask who you are again
Linking a bank, revoking access or deleting your account requires recent authentication, even on an open session. A session left behind on a shared computer is not enough.
Read-only, never a payment order
The bank link goes through Powens, registered with the French Prudential Supervision and Resolution Authority (ACPR) as a payment institution under number CIB 16948, on the official regafi.fr list. That is the provider’s status, not ours. The access requested covers reading only: Épargna reads balances and transactions. No transfer can be initiated from the platform — the function does not exist in the code.
You cut it off whenever you want
The authorisation you give your bank has an expiry date, is renewed explicitly, and can be revoked at any time from your space.
Your amounts serve you only
Your balances and positions are sent neither to our audience measurement tools nor to any artificial-intelligence model. They only ever render your own screens.
Member space locked down in the browser
Your member pages are served with a content security policy using a single-use token, enforced in production: a foreign script injected into the page does not run.
And what we do not claim
Our servers decrypt your data in order to display it. That is the price of a dashboard that computes, aggregates and compares: we therefore cannot claim to be unaware of what you hold, and we will not claim it.
Épargna is not a payment institution and carries out no regulated activity: the registration quoted above is that of Powens, our aggregation provider, and we hold none of our own. We also display no certification, no label and no external audit: we have none. What we collect and what we do with it is set out in the privacy policy.
Open to everyone during launch
Nothing for now. No payment is asked for and no card is stored. The prices below are the ones that will apply once subscriptions open; until then, access comes with a simple account.
Planned pricing
Monthly
€5per month
Quarterly
€12for 3 months
that is €4 a month
−20% compared with the monthly plan
Yearly
€30per year
that is €2.50 a month
−50% compared with the monthly plan
Online payment is connected to no provider at this stage: nobody can be charged, and no button on this page leads to a payment.
Frequently asked questions
- Do I have to connect my bank to use the platform?
- No. Everything can be entered by hand: accounts, holdings, property and loans. The automatic connection saves time, it is never required, and every dashboard works identically without it.
- Can Épargna move money out of my accounts?
- No. The access requested from your bank is read access. No payment-initiation feature exists in the platform: no transfer, no direct debit, no order placement.
- How do I withdraw access to my accounts?
- From your space, in one action, at any time. The authorisation given to your bank also carries an expiry date: past that date it lapses on its own unless you explicitly renew it.
- Is my data encrypted?
- Sensitive data is encrypted at rest with AES-256-GCM, using a derived sub-key specific to each member. Our servers do decrypt it to render your screens, however: we therefore do not claim it is unreadable to us, which would be untrue.
- Does the platform give investment advice?
- No. It describes your situation and explains the concepts; it recommends no product, promises no return and replaces neither an adviser nor a tax professional.
- Does the tax assistant file my tax return?
- No. It lists the forms and schedules that concern you given what you hold, and the documents to gather. It computes no amount, prefills nothing and sends nothing to the tax authorities: impots.gouv.fr is the reference.
Take the measure of what you own
Creating an account takes a minute, and the first overview appears as soon as the first lines are in.