Project your future over 40 years
See month by month where you'll be in 5, 10 or 40 years based on your current income and expenses. Instant results, no manual calculation.
PYL365 repond a toutes tes questions financieres
Home by 2034?
Master your monthly budget and plan your future now
All these questions? PYL365 answers them.
No jargon, no complicated math. Your situation, clear — at last.
Android
Google Play
iPhone
App Store
How it works
Three simple moments: the Starter Assistant reveals where you stand, you create your projects and see their impact, your dashboard pilots your day-to-day.
1Starter Assistant
You answer, the Starter Assistant reveals your situation
A few simple questions about your income, expenses, the people you support and your debts. At the end, the Starter Assistant gives you a clear diagnosis — no jargon.
- 8 guided steps, no judgment
- Your financial phase identified
- A clear diagnosis — no jargon
Starter Assistant7/8
Profile
Household
Income
Savings
Debts
Expenses
Allocation
Summary
Your diagnosis is ready
1234
2Your projects
Create your projects and see their impact
House, wedding, car, education — create your projects, set a target date and a budget. PYL365 shows you the impact on your financial trajectory, month by month.
- Visualize each project's timeline
- See the impact on your 3 envelopes in real time
- Track your progress up to the deadline
Your projects2
House2029
35%
Car2027
70%
Impact on your envelopes
Essentials
55%
Discretionary
20%
Wealth Building
25%
3Your dashboard
You pilot from your daily brief
Every day, your dashboard goes straight to the point: your allocation, your top action and your 40-year trajectory. Everything stays on your phone.
- Your SURVIVAL / POCKET / PROJECT split at a glance
- Your top action of the day
- Your projection up to 40 years
1
Essentials
Discretionary
Wealth Building
The Formula
The PYL365 Formula
Three envelopes. One goal: financial resilience.
INCOME−SURVIVAL=POCKET+PROJECT
Simple. No jargon. Built for your reality.
SURVIVAL
Mortgage, insurance, groceries, school. Non-negotiable obligations. No flexibility — this is the foundation.
Restaurants, outings, shopping, travel. Everything optional and enjoyable — zero survival, zero obligation. This is your discretionary spending, guilt-free.
PROJECT
Dreams taking shape. House, retirement, education. The savings that build your future.
What PYL365 does for you
Six tools to master your finances — from daily management to 40-year planning.
Plan your children's education
Calculate the real cost of schooling across the full journey — elementary through university. Integrated directly into your financial projection.
Simulate your hypotheses
What happens if you take a loan? If your income drops? If you save more? Simulate before deciding — no risk.
Track your quantified projects
Home, retirement, career change. Each goal has its deadline, its amount and its direct impact on your monthly budget.
Mobile and desktop
The mobile app for daily entries. Web access for detailed analysis from your computer. Your data always available.
Coaching with your AI of choice
PYL365 prepares your complete financial file. Paste it into the AI assistant you prefer — it reads your situation and becomes your personal coach.
The app, in pictures
A real look at the interface, exactly as you'll find it on your phone.
DashboardWalletScenariosProjectsPlan
PYL365 is for you if…
Five very ordinary situations. Recognising yourself in one of them is enough.
You don't know where your money goes
The end of the month keeps catching you out. The app lays out what you actually have to pay, then what is left to live on — before you spend it.
You are not the only one you carry
Rent, a loan instalment, a parent to help, school fees. It is all counted in one place, inside your Essentials, instead of being scattered in your head.
Your income does not arrive on the 30th
A salary, work of your own: you enter what you really have, and the app works from that.
You want to know whether a plan holds up
A house, a move, a child starting school. You enter the assumption and the app shows what it changes for your Discretionary and your Wealth Building, year after year.
You have no clear goal yet
That is fine. The app works without one: it starts by showing you where you stand. Projects come later, when you are ready.
Two plans
Free or Premium
The Starter Assistant, your dashboard, tracking, your projects and cloud backup are all free. Sharing with your AI, coaching history, the life-event simulator and the school cost projection are Premium.
Free
No ads0€
Free forever.
Understand your situation fully — at no cost.
- Starter Assistant
- A clear picture of your situation — what's working, what to fix first
- Daily dashboard — your top action, your 3 envelopes
- Expense tracking and monthly budget management
- 3-year projection, month by month
- Configurable payment reminders — get notified on the day you choose
- House, wedding, car — create your projects and see their impact on your trajectory
- Scenarios — play with inflation, your income growth, your savings rate
- Manual and automatic cloud backup — export, restore, or sync automatically to Google Drive, anytime, at no cost
- Asset cost tracking — track fixed and variable costs of your assets (vehicle, housing, etc.)
Free with no time limit. The whole core is free: the Starter Assistant, your envelopes, your projects, macro scenarios and cloud backup. Premium adds the school cost projection, plus comfort.
Premium
7.99€ / month
Monthly subscription, cancel anytime.
Go further: share with your chatbot, analysis history and the life-event simulator.
- Everything in Free
- Advanced projection models — increasing, decreasing, or custom steps to match your real trajectory
- Share your file in one click with your favorite chatbot
- Full history of your tracking and analyses
- Life-event simulator — a birth, an income change, a new expense, projected over your next 40 years
- School cost projection — the cost year by year, the month that weighs the most, and how much to save so you're not caught off guard
- Adaptive engine — configure how surplus is allocated, deficits handled, and POCHE carried over each month
- Web access from your computer
Free gives you the full calculation, your 40-year outlook and cloud backup. Premium adds comfort: chatbot sharing, analysis history and the life-event simulator.
Why trust us
The details that matter.
Local data
Your data stays only on your device. Zero transmission to any server.
Works offline
No internet needed. Manage your finances even without a connection.
Backup on demand
Export your data whenever you want, in one click. Your finances always available, even if you change devices.
Frequently asked questions
What does the app actually calculate?
It adds up everything you have to pay each month — fixed bills, loan instalments, support for your family, savings taken out automatically. That is your Essentials. What is left is split between Discretionary, the money you can spend freely, and Wealth Building, the money you set aside. You never do the arithmetic yourself.
Does it work without internet?
Yes. Every calculation runs on your phone, not on a server, so you can enter, read and export offline. Cloud backup, included in the free plan, catches up as soon as you are back on a network.
How far ahead do the projections go?
Up to forty years, one year at a time: your savings, your debts, your projects. You can also test an assumption — a birth, a change of income, a new expense — and see straight away what it moves across the whole period. The life-event simulator is part of the Premium plan.
What if I have children to support?
You enter them once, with what you spend on them each month and the school costs for the year. The app spreads the cost month by month, tells you which month will weigh the most, and how much to set aside before then. The detailed school projection is part of the Premium plan.
Can I track my spending day to day?
Yes. You log what you spend and the app tells you at any moment what is left in each envelope until the end of the month. Every statement exports to PDF or Excel, and the Premium plan adds access from your computer.
Available on Android.
Take control of your financial future
5 minutes to profile your life. A clear framework to track your decisions every month.
AndroidGoogle PlayiPhoneApp Store
Get it on Google Play. Coming soon on iPhone.