Beaver vs Commas

Your net worth. One number. Total privacy. Beaver is a net worth tracker built for people who want clarity without connecting their banks. Monthly check-ins take 10 minutes. No spreadsheets. No data harvesting. WHAT YOU GET NET WORTH DASHBOARD Your total wealth at a glance, with month-over-month change and multi-month trends. Know exactly whether you're getting richer. ALLOCATION TREEMAP Visual breakdown by account type, currency, or liquidity. See where your money actually lives - cash, investments, real estate, crypto. FX IMPACT ANALYSIS Hold EUR savings in a USD life? Beaver separates real growth from currency movement so you know what's actually happening. 40+ currencies supported. PARTNER VIEW Connect with someone you trust via a 6-character code. Both see combined net worth - privately, with bidirectional encryption. No shared passwords. No shared bank access. No other net worth app does this. NET WORTH GOAL Set a target. Track progress. Simple motivation without the anxiety of daily checking. LIQUIDITY INTELLIGENCE Classify assets as Liquid, Semi-Liquid, or Illiquid. Know how much of your wealth you could actually access tomorrow. IMPORT YOUR HISTORY. EXPORT ANYTIME. Already tracking in a spreadsheet or notes app? Bring your full history into Beaver - paste your data into any AI assistant and it converts it to the right format in seconds. And if you ever leave, your data exports as CSV in one tap. No lock-in. Ever. MONTHLY REMINDERS Set a push notification for your preferred day and time. One-tap snooze if you're not ready. Or add a recurring event directly to your Apple or Google Calendar - whichever fits your routine. WHY NO BANK CONNECTION? Bank connections break when banks update their systems. They require constant re-authentication. They're heavily US-centric - if you bank internationally, hold assets across countries, or use a less common institution, most apps either don't support your bank or support it poorly. Beaver's monthly check-in model works with any bank, any country, any account type. Under 10 minutes a month. You stay completely private. PRIVACY Your data is stored locally via SwiftData. iCloud sync uses CloudKit - Apple's infrastructure. AES-256-GCM encryption means not even Apple sees your balances in plaintext. Your key stays in your iCloud Keychain. Only you can decrypt. FREE VS PRO Free forever: Unlimited accounts, unlimited check-ins, all charts, allocation treemap, FX impact analysis, multi-currency support, liquidity classification, net worth goal, CSV import and export, monthly reminders. Beaver Pro: Encrypted partner sharing. Monthly or annual. Cancel anytime via your Apple ID. BUILT FOR - FIRE community members tracking path to financial independence - Expats holding assets across currencies and countries - Anyone who wants financial transparency with someone they trust - Anyone who's outgrown spreadsheets but distrusts bank-sync apps Privacy Policy: beaverwealth.co/privacy Terms of Service: https://beaverwealth.co/terms

Commas is the privacy-first iPhone app for tracking your net worth over time. Add your accounts, log your balances, and watch your wealth grow through beautiful charts and clear summaries. No account required. No ads. Your financial data lives on your device and syncs privately through iCloud. TRACK EVERY ACCOUNT IN ONE PLACE Add any type of account: bank accounts, investments, crypto, property, business valuations, and debt. Every account type you have, Commas handles it. CONVERT CURRENCIES EFFORTLESSLY Hold accounts in different currencies? No problem. Commas converts everything to your base currency using live exchange rates updated daily, covering 160+ currencies worldwide. VISUALIZE YOUR WEALTH CLEARLY See your net worth over time with a smooth area chart. Explore your allocation with a donut breakdown. Compare categories side by side with a bar chart. Every chart is built natively for iPhone and looks great in light or dark mode. SET GOALS AND HIT THEM Set a net worth target and watch your progress bar fill up over time. Add a target date and Commas tracks how much time you have left. SYNC ACROSS ALL YOUR DEVICES Your data syncs privately and automatically across all your iPhones through iCloud. No account needed, no third-party servers involved. UPDATE BALANCES IN SECONDS Use Quick Update to refresh all your account balances at once from a single screen. Set reminders so you never forget to log your numbers. PROTECT YOUR FINANCIAL PRIVACY Commas never sells your data. No advertising network. No sign-up required. Your account balances and net worth data are stored in your private iCloud account and never touch our servers. DESIGNED EXCLUSIVELY FOR IPHONE Native app built for iOS 17 and above. Supports light and dark mode. SPEAK YOUR LANGUAGE Available in English, French, Spanish, and Portuguese. Download Commas free and start watching the commas grow. Privacy Policy: https://getcommas.app/privacy | Terms of Use: https://getcommas.app/terms