---
title: "How to Track Your Net Worth in Switzerland (Multi-Currency, Multi-Bank)"
description: "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."
date: 2026-04-12
updated: 2026-04-12
language: en
canonical: https://finch-agent.ch/blog/track-net-worth-switzerland-multi-currency
source: Finch (https://finch-agent.ch)
---

# How to Track Your Net Worth in Switzerland (Multi-Currency, Multi-Bank)

**Quick answer:** 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.

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Published by Finch — the Swiss personal finance app. Canonical version: https://finch-agent.ch/blog/track-net-worth-switzerland-multi-currency