Name: pécule
Rating: 5.0 (1 reviews)

Hey Product Hunt 👋 I'm Melvin, indie maker from France. I built pécule because every personal finance app I tried — YNAB, Mint, Bankin', Linxo — forced ONE budgeting method. Usually the founder's favorite. As if everyone's brain worked the same way. Mine doesn't. My partner's doesn't either. So we kept dropping these apps after a month. That's why pécule lets you pick from 14 proven methods, and the UI adapts to your choice: → Classic ratios: 50/30/20, 70/20/10, 80/20 → Mindful: Kakeibo (Japanese, writing-based) → Strict: Zero-Based, Envelopes hard-cap → FIRE-friendly: Pay Yourself First, FIRE Aggressive → Goal-based: Sinking Funds, Six Jars → Even Anti-Budget for chill people 😅 Switch methods anytime — your data and history stay. Other things that matter to me: 🇫🇷 Hosted in France (GDPR-strict, EU-only servers) 🚫 No bank scraping — you enter what you want, no creepy connection 🔒 Encrypted backups, hashed passwords, zero third-party trackers 💑 Family sharing with per-member permissions (Family plan) 📊 10-year forecast with compound interest 📥 CSV import from BRED, BNP, SG, Boursorama, Revolut Honest pricing: • Free forever — 14 methods, 12 months history, 5 goals, 3 budgets • Pro €2/mo — unlimited history, CSV import, sinking funds, forecast • Family €5/mo — share with up to 5 people, granular permissions • 5-day money-back, no commitment, cancel in 1 click Built solo as a side project to my day job — I just wanted an app that didn't tell me how to think about money. Would love your feedback. What budget method works for you? What's broken in the apps you've tried? Thanks for checking it out 🙏 👉 Try it: https://xn--pcule-bsa.fr/r/ph-ma...

pécule

14 budgeting methods. Pick the one that fits your brain.

14 budgeting methods. Pick the one that fits your brain.