A practical guide to tracking your net worth in Switzerland across CHF, EUR, USD, multiple banks, Säule 3a, investments, and crypto — without losing your mind in spreadsheets.
Net worth is the single number that tells you whether you're getting richer. In Switzerland, calculating it is unusually messy: you might have a UBS salary account, a ZKB savings account, a Säule 3a at VIAC, a brokerage at Swissquote, a few ETFs at Interactive Brokers, some crypto, and a Revolut EUR balance.
The four ingredients of Swiss net worth
- Cash & accounts — current accounts, savings, foreign currency balances
- Investments — ETFs, stocks, funds at Swissquote, Saxo, IBKR, DEGIRO
- Pension — Säule 3a, vested benefits (Freizügigkeit)
- Other assets — crypto, real estate, vehicles minus liabilities
The multi-currency problem
If you hold EUR or USD, you need a consistent FX snapshot. Pick one base currency (almost always CHF) and one rate source (e.g. ECB or your broker), and apply it consistently across every snapshot.
Three ways to do it
1. The spreadsheet
A monthly Google Sheet works. Manual but auditable. The downside: you'll forget, miss months, and lose the trend line.
2. Your bank app
Most Swiss banks show you only what's at that bank. Useless for a true net worth view.
3. A Swiss-native finance app
Finch connects to all your Swiss banks (via bLink), your brokers, your 3a provider, and your crypto exchanges, and continuously calculates your net worth in CHF — with EUR/USD positions automatically converted at live rates.
What "good" tracking looks like
- One base currency (CHF), live FX
- Monthly snapshots, automatically captured
- Breakdown by asset class and by currency
- Year-over-year and month-over-month deltas
- Säule 3a and pension assets included — they're real wealth
Get started
If you're tired of stitching balances together by hand, join the Finch waitlist — automatic, multi-currency, multi-bank Swiss net worth tracking is exactly what we're building.
Last reviewed by the Finch editorial team on .
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