Net worth
Net worth is the value of everything you own minus everything you owe. Assets include bank balances, investments, pension capital and property; liabilities include mortgages, loans and credit-card debt. The difference is your true financial position.
In detail
Tracking net worth over time is more informative than tracking income, because it captures saving, investing and debt repayment in one number. A rising trend means you are building wealth regardless of monthly volatility.
In Switzerland it is complicated by multiple currencies and multiple institutions, so a reliable figure usually requires aggregating accounts automatically rather than maintaining a spreadsheet.
- Net worth = total assets − total liabilities.
- Include pillar 2 and 3a capital for an accurate Swiss picture.
- Multi-currency holdings need a consistent conversion date to compare periods.
Related terms
Multibanking is viewing and managing accounts held at several different banks inside one single application. Balances, transactions and — in some cases — payments from all connected institutions appear in one consolidated overview.
Pillar 3aPillar 3a is Switzerland's tax-privileged voluntary retirement savings scheme. Employed residents may pay in a capped amount each year and deduct it from taxable income; the money is normally locked until roughly five years before retirement age.
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