Stop guessing your net worth.

Beam is a private net worth tracker that helps you see and grow your wealth over time with simple manual check-ins — no bank sync, no third-party logins.

Built in Switzerland. Works in CHF / EUR / USD. Available in English, French and German.

Phone mockup of the Beam net worth tracker showing total net worth and a net worth trend chart over time

Your finances shouldn’t live in five apps and your memory.

Investments here, bank account there, pension somewhere else… Beam brings it together so you can see how your financial health evolves over time – without spreadsheets.

🔴 Without Beam

You “sort of” know where you stand. You jump between apps, try to remember what’s where, and end up with pieces of the puzzle – never the full number.

Beam net worth tracker account detail screen showing an account balance chart and a list of check-in updates

With Beam 🟢

You see your total net worth at a glance. All your assets and liabilities in one place, a clear trend over time, and decisions based on facts instead of guesses.

You don’t need to track every coffee.

Most personal finance apps obsess over transactions and budgets.
Beam focuses on your net worth – the one number that tells you how close you are to life-changing decisions: taking a career break, buying a home, retiring earlier, or reaching financial freedom.

Beam net worth tracker screen showing an asset card where you enter a new balance during a manual check-in

Track your net worth in 3 steps.

01
Add what you own & owe

Add accounts and assets in seconds: cash, bank accounts, investments, pension funds, crypto, property, loans. Just enter totals – no bank connection needed.

02
Do your check-ins

A calm 5-minute ritual. Update balances one by one, whenever you want (weekly, monthly). It’s like journaling – but for your money.

03
See your net worth update instantly

Beam updates your net worth timeline, totals, and allocation automatically – so you always know where you stand.

Awareness changes everything.

Manual tracking works because it makes you pay attention.
When your net worth is visible, you naturally spend with more intention, invest more consistently, and make smarter choices – without feeling like you’re “budgeting”.

A simple yet powerful wealth tracker you’ll actually use.

Shield graphic representing Beam's privacy-first net worth tracker with no bank connection and no login details

Private by design.
Built in Switzerland.

No bank connection required. No data selling. No ads. Just a simple app to track what you own and owe – privately.

Portrait of Gautier Schaffter, founder of Beam, the private net worth tracker app

Hello, I’m Gautier.I built Beam for one reason: I wanted a simple way to see my net worth without spreadsheets or bank syncing.If your money is spread across accounts, investments, pensions, and loans, Beam helps you pull it together and track your progress over time – privately.

What is a net worth tracker?

A net worth tracker helps you see your total financial picture in one number: what you own minus what you owe. Instead of looking at separate bank apps, robo-advisors, and pension portals, you get one clear overview. Beam is a simple net worth tracker app built around quick check-ins, so you can track your net worth trend over time and stay grounded in reality (not guesses).

How do I calculate my net worth?

Your net worth is assets minus liabilities (Net worth = Assets − Liabilities). Assets are things you own that have value (cash, savings, investments, pension assets, property). Liabilities are what you owe (mortgage, loans, credit card debt). With Beam, you add your accounts once, then update balances during check-ins — the app calculates your net worth automatically.

Do I need to connect my bank account to use Beam

No. Beam is built for manual net worth tracking — meaning no bank connections, no logins, no syncing. You simply enter your balances and update them during check-ins. It’s fast, it works with any bank or platform, and it keeps you in control.

Is Beam a budgeting app?

No. Beam is not a budgeting app and it doesn’t track transactions. It’s focused on the big picture: your net worth, your assets and debts, and how everything moves over time. If you want to stop micromanaging every expense and start seeing your overall progress, Beam is built for that.

Can I track investments, pensions, and property in Beam?

Yes. Beam is designed to include more than just bank accounts. You can track investments (including robo-advisors), pension assets, real estate/property, and any debts tied to them. That’s the point: one place to track what you own and owe — so your net worth reflects your real situation, not just what your bank shows.

Is Beam private and secure? What happens to my data?

Beam is privacy-first by design. It doesn’t require bank connections or access to your accounts – you enter your numbers manually. Inside the app, you can also hide amounts instantly with Privacy Mode, so your finances stay private even when someone is looking at your screen.

Why track my net worth instead of just my bank balance?

Your bank balance is just one slice. Your net worth includes everything: cash, investments, pensions, property, and debts.

Tracking your net worth helps you measure real progress toward goals like financial freedom, a home purchase, a career break, or simply feeling more in control.

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Ready to see your full financial picture?

Add your assets and debts once. Then do quick check-ins to stay aware and watch your net worth timeline evolve.