Know where you are going
financially.
IgniFI brings your wealth and your budget together to help you know when your money can fund your life, how much you can spend, and what could put your plans at risk.
Budget, fees, investments, property, crises: understand what really matters for your financial future. Without ever sharing your bank passwords.
What it replaces
- The spreadsheet you keep updating
- Adding it all up by hand: listed investments revalue themselves every night
- Retirement calculators that ignore your accounts
- The budget you keep by hand
The tour in 44 seconds
All in one place
One platform, every financial lever
Tap to explore. The core: track your wealth and reach financial independence.
Net worth
Tracking & allocation, every asset class
Budget
Spending & savings rate, multi-currency
FIRE goal
Financial Independence, Retire Early: your estimated date
Withdrawal plan
How much you can spend each month without running out, taxes included
Your rank
Your rank among French households your age
Stress test
Crash today: what each crisis would do to your portfolio
Real-estate estimate
Price/m² from real notarized sales (DVF)
eToro simulator
"What if I'd copied a pro?"
Why IgniFI ≠ everyone else
The wealth tracker for people who don't want a black box
An aggregator wires your bank into its servers. We do the opposite: you send us a statement, and your data stays under your control.
Zero credentials. Ever.
Aggregators connect to your bank with your credentials. We never do: you send us a simple CSV. Your data passes through your hands, not theirs.
- You export the file, we read it. No bank login
- No third party sees your accounts
- Delete everything in 1 click
Track what an aggregator cannot see
Type the name or symbol of a listed ETF, stock or crypto, enter your shares: we price it every night. Or upload your broker's CSV. Whatever the search cannot find (physical gold, real estate, private equity, an unlisted fund) can be entered by hand.
- Live search across the world's stock exchanges (AAPL, BTC, CW8.PA…)
- Foreign brokers (IBKR, Saxo, Trade Republic…)
- Physical gold, real estate, offline crypto wallets, peer-to-peer lending
"What if I had copied a pro?"
Test alternative strategies on YOUR portfolio. See what your wealth would look like today if you'd allocated 20% to a trader's actual daily returns since 2014.
- Replay real strategies on your data
- Daily returns since 2014
- Live exposure simulator
The copied portfolio is that of Yannis, IgniFI's founder, on eToro. The eToro link in the simulator is an affiliate link: he may be paid by eToro if you open an account through it.
Built for you
Wealth tracking that fits real life
Whether you're chasing financial independence, mostly trying to protect what you have already built, running your own business, or simply tired of juggling 6 banking apps. IgniFI brings everything together.
Built for people whose money is in France or Switzerland: French savings accounts, the PEA (French equity savings plan), life insurance and pension plans, Swiss francs included, and a rank computed on the statistics of INSEE, France's national statistics office.
Financial independence
Calculate your independence date (FIRE), run stress tests, and watch the gap close month after month.
Sole traders & freelancers
Separate your business cashflow from personal savings. See your true net worth in one place, without spreadsheets.
Self-employed professionals
Nurses, doctors, lawyers: variable income deserves better than guesswork. Track everything, from your pension plan (PER) to your savings account (Livret A).
Tradespeople & shopkeepers
Your tools, your equipment, your savings, your property: get a clear picture of what you've built.
Three steps
Add, simulate, reach
You stay in control from start to finish.
Add your positions
Upload a CSV from your broker, or search for a listed ETF, stock or crypto by name and enter your shares. Prices update every night automatically.
Simulate your future
Set your horizon, future income (retirement, rents, dividends) and test scenarios: withdrawals, crisis, taxes, inflation. See the impact in real time.
Reach your goals
Early retirement, extra income, real estate purchase: set targets and track your progress with projected dates and required savings.
Preview
Your dashboard, at a glance
Every metric that matters, on one screen. No clutter.
Net worth
€187,450
+€15,437 (this month)
Illustrative data. Your real dashboard updates with every upload or manual entry.
Shareable
Where do you stand for your age?
IgniFI ranks your wealth against people your age (INSEE data) and turns it into a card you can share. Percentages only, never a single amount.
- Your rank by age bracket, computed on INSEE wealth data
- Growth, savings rate and FIRE goal, summed up in one image
- No euros shown: you share progress, not your bank balance
Enter your numbers to see your rank
Indicative comparison (gross wealth, 2024 data from INSEE, France's national statistics office). Your numbers stay on this device, nothing is sent.
Create my account for the real recapNo amounts shown - that's the point.
Multi-currency budget
Spend anywhere. See it all in EUR.
A Revolut or Wise account in CHF, a card in USD, a trip paid in yen or CFA francs - IgniFI converts every charge to euros at its month's exchange rate, so your savings rate is finally true.
Savings rate
38%
Spent in CHF, JPY, USD or CFA francs? Each charge is converted to EUR at its own historical rate - your totals stay accurate.
Go further
Three tools that make the difference
Withdrawal plan
How much can you spend each month without running out of capital? Tax on each account (PEA, life insurance, PER, brokerage), hundreds of Monte Carlo scenarios and a crash simulated early in retirement.
Work out my incomeYour goals, dated
Financial independence, retirement, a home or a project: link your accounts to each goal and see its estimated date, or what to set aside each month to meet yours.
See the goalsStress test
The 2008 crash, the dot-com bubble, Covid, the 2022 rate hikes: what each crisis would do to your allocation. And what six months without income would take from your emergency fund, then from your investments.
Test my portfolioWhy IgniFI
Money is emotional. Your numbers shouldn't be.
Know how much you will be able to spend
Reaching a capital is only half the journey. The withdrawal plan answers the other half: how much to withdraw each month, from which account first and after which tax (PEA, life insurance, PER, brokerage), and whether that income holds against inflation, hundreds of market scenarios and a crash early in retirement.
Try the withdrawal planWhat we believe, in four uncomfortable truths, and the questions people ask themselves without typing them: on the About page. Read on
Your data
Trusting an app with your net worth has to be earned.
Fair question: why trust us with your numbers? Here's exactly how they're handled, no spin.
Hosted in Europe
The database and the application run in Europe, encrypted in transit and on disk.
Walled off, only yours
Every account is isolated at the database level by a rule called Row Level Security: no one else, not even another user, can read your rows.
Never sold
No ads, no data resale, no broker kickbacks. You're the customer, not the product: your subscription is what funds us.
Erasable in 1 click
Delete your account whenever you like and all your data goes with it, immediately and for good. Only two contractual proofs (terms accepted, request for immediate access before a purchase) are kept for five years in case of a dispute. It's your GDPR right, built in.
* Only three US services are involved, on specific pieces: sending email, the AI reading of your statements if you use it, and request routing. Each one is named in the privacy policy.
GDPR-compliant · stored data encrypted (AES-256).
Who is behind IgniFI
An independent product, with no bank behind it. IgniFI was created by Yannis, its founder: French-Swiss, studied economics and financial engineering in Lausanne, then seven years in commodities trading.
Who we are, and what we believeA real person answers you
IgniFI is a small team, and support is us. The in-app assistant answers straight away; when it does not know, it passes your question to us in one click, and a person writes back, not a bot.
A question before you start? Write to usSimple pricing
Start for free, go Pro when you're ready.
Free
To start tracking
- 1 tracked account (PEA, savings account, life insurance…) and 1 goal
- Unlimited CSV / Excel imports, 2 AI PDF imports to try
- 12 months of history, displayed in EUR, CHF, USD, Gold
- Net worth, allocation and FIRE calculation
IgniFI+
Budget, AI and the monthly report, for less than a coffee out each month
- AI PDF import (statements, accounts, tax)
- Budget with full history
- Monthly email report
- 2 tracked accounts (PEA, life insurance…) and 2 goals
Pro
For serious investors
i.e. €8.25/month
- Unlimited accounts and goals
- Full dashboard
- Full net worth history
- Stress Test & simulations
- History rebuilt from your past statements
- CSV export of portfolio and history
- Optional coaching (€499 / 3 h)
Free, IgniFI+ and Pro
Compare the plans in detail
Frequently asked questions
Everything you need to know before getting started.
More questions? The help centre covers the app in detail: open the help centre.
Ready to reach your financial goals?
Create your account in 30 seconds and start tracking, simulating, and planning right now.
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