Private Net Worth Tracker Beam vs Caspar's Darlehensrechner

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

Caspar's Darlehensrechner ist das übersichtliche Werkzeug, um Annuitätendarlehen zu verstehen, zu vergleichen und clever zu tilgen – komplett offline und ohne Datenweitergabe. WAS DIE APP KANN - Tilgungspläne auf den Monat genau: Betrag, Rate, Zins und Laufzeit eingeben – der komplette Verlauf entsteht automatisch. - Vier Rechenmodi: Feste Laufzeit (mit möglicher Restschuld), Betrag + Rate, Betrag + Laufzeit oder Rate + Laufzeit – die fehlende Größe wird berechnet. - Sondertilgungen taggenau: Beliebig viele Sondertilgungen pro Jahr mit konkretem Betrag, Monat und Wertstellungstag. So stimmt die Restschuld auf den Cent mit deiner Bank überein. - Restschuld-Verlauf als Diagramm: Sieh auf einen Blick, wie schnell dein Darlehen sinkt. - Planungs-Modus: Spiele künftige Sondertilgungen durch und sieh sofort, wie viel Zinsen und Laufzeit du sparst – ohne deinen echten Plan zu verändern. - Jahres-Zusammenfassung: Zins, Tilgung, gezahlte Rate pro Monat und kumulierte Zahlungen – Jahr für Jahr. - Mehrere Darlehen verwalten und miteinander vergleichen. - Export: Als echtes PDF, als CSV oder als Backup-Datei – direkt über das Teilen-Menü speichern, mailen oder drucken. DEINE DATEN BLEIBEN BEI DIR Alle Eingaben werden ausschließlich lokal auf deinem Gerät gespeichert. Es gibt keine Anmeldung, keine Server, kein Tracking und keine Werbung. Kein Internet erforderlich. HINWEIS Die Berechnungen erfolgen nach der deutschen Zinsmethode (30/360) und dienen als Orientierung. Sie ersetzen keine verbindliche Auskunft deiner Bank.