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pécule
14 budgeting methods. Pick the one that fits your brain.
Most budget apps assume your brain works one specific way. pécule doesn't. Pick from 14 proven methods (50/30/20, Kakeibo, Zero-Based, FIRE, Sinking Funds, Pay Yourself First…). Switch when your life changes. The UI adapts. No bank scraping. No data resale. Hosted in France 🇫🇷 (GDPR). Optional family sharing. Free plan for the basics. Pro €2/mo. Family €5/mo. Money-back within 5 days. Built solo.
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...
About pécule on Product Hunt
“14 budgeting methods. Pick the one that fits your brain.”
pécule was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #148 on the daily leaderboard. Most budget apps assume your brain works one specific way. pécule doesn't. Pick from 14 proven methods (50/30/20, Kakeibo, Zero-Based, FIRE, Sinking Funds, Pay Yourself First…). Switch when your life changes. The UI adapts. No bank scraping. No data resale. Hosted in France 🇫🇷 (GDPR). Optional family sharing. Free plan for the basics. Pro €2/mo. Family €5/mo. Money-back within 5 days. Built solo.
On the analytics side, pécule competes within Productivity, Finance and Personal Finance — topics that collectively have 660.4k followers on Product Hunt. The dashboard above tracks how pécule performed against the three products that launched closest to it on the same day.
Who hunted pécule?
pécule was hunted by MELVIN CEYLAN. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of pécule including community comment highlights and product details, visit the product overview.
MELVIN CEYLAN