Private Net Worth Tracker Beam vs Her Ay+ Bill & Budget Tracker

You think you know where you stand financially. Beam helps you see the full picture. Track your net worth in one private, simple place so you can understand what you own, what you owe, and how everything evolves over time. No spreadsheets. No bank connections. No noise. Beam helps you turn scattered balances into something clear and useful: a financial overview you can actually act on. In just a few minutes, you can see where your money is, how your finances are changing, and where you may be missing something. ------ KEY FEATURES 1. See all your finances in one place Bring together your bank accounts, savings, investments, pensions, property, loans, and more in one clear dashboard. Beam helps you stop guessing and start seeing the whole picture. 2. Track your net worth over time Each check-in creates a snapshot, so you can follow your progress over time and understand how your financial situation is evolving month after month. 3. Guided check-ins, no bank logins Update your numbers with quick guided check-ins on your own schedule. No bank connection, ever. Beam is built around privacy, control, and simplicity. 4. Understand where your money is See how your wealth is distributed across cash, investments, property, pension, and other assets. Spot your biggest drivers and understand your financial structure at a glance. 5. Compound interest simulator Explore how your money could grow over time with a simple compound interest tool. Great for building intuition, testing scenarios, and staying motivated for the long run. 6. Recurring expenses overview List your recurring expenses and see your monthly baseline more clearly. Beam helps you understand the financial weight of subscriptions, bills, and other fixed outflows. 7. A simple ritual you can stick to Beam turns financial tracking into a calm, repeatable habit. Set reminders, complete a check-in in minutes, and keep your timeline up to date without stress. 8. Private and secure by design Your financial data stays yours. No bank passwords. No third-party syncing. No ads. No selling your data. You can also protect the app with a passcode. ------ WHY BEAM? Most people don’t really see their finances. They see fragments. A balance here. An investment account there. A pension account somewhere else. Beam brings it all together so you can understand where you stand and how things are moving. That clarity helps you make better decisions, spot blind spots earlier, and feel more in control over time. Beam is not about tracking every coffee or turning money into a chore. It is about understanding your finances in a way that is simple, visual, and actually useful. Because when you can see the full picture, you can move with more confidence. ------ START FREE Download Beam and start free with your first 10 snapshots included. That gives you plenty of time to build your timeline, explore your numbers, and experience the value of tracking your net worth before unlocking the full version. Beam stays private and independent because you pay for the product — not with your personal data. ------ Built in Switzerland by an independent developer who believes financial clarity, privacy, and simplicity should be the standard. Beam was created to solve a real personal need — and is now built for anyone who wants to understand their finances better. Terms & Conditions: https://beam.neetokb.com/p/a-edae2ee2 Privacy Policy: https://beam.neetokb.com/p/a-8ec53935

See which subscriptions and bills are coming up. Her Ay+ brings your recurring payments, income and expenses together so you can plan your month and set reminders for due dates. KEEP SUBSCRIPTIONS AND BILLS TOGETHER Add memberships, rent and regular bills. Track their amounts, billing cycles and due dates. Start with a template or create your own entries. REMEMBER UPCOMING PAYMENTS See what is due next and enable notifications for reminders. Mark payments as paid and look back through your payment history. UNDERSTAND YOUR INCOME AND EXPENSES Organize entries with categories and tags. Review your monthly figures and use charts to see how your spending is distributed. KNOW WHICH CARD TO USE Assign saved cards and payment methods to subscriptions and bills. Keep the payment details you enter in one place. BUILD TOWARD A SAVINGS GOAL Set a target, record what you put aside and follow your progress. START FREE Track up to 10 active income and expense entries in total, plus 1 savings goal. Add your records manually, with no bank connection or app account required. Manage payments and subscription cancellations with the relevant service provider. DO MORE WITH PRO Pro removes the entry and savings goal limits. Pro is available through a paid, auto-renewing subscription. Current pricing and any trial terms are shown before purchase. Manage your subscription in your Apple account settings. Add your first subscription and start planning this month's payments. Privacy Policy: https://heray.plus/privacy Terms of Use: https://heray.plus/terms