Beaver vs Paydar

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

Paydar catches every subscription charge before it lands. See what you really pay, get a heads-up before each renewal, and keep it all private. Streaming, apps, the gym, cloud storage… small monthly charges add up fast. Paydar puts them all on one radar: the closer a subscription sits to the centre, the sooner it charges you. Track them, see what's coming, and cancel what you no longer use. WHY PAYDAR • Free and unlimited - track as many subscriptions as you want • Private by design - no account, no sign-up. Your data stays on your device, with an automatic backup to your own private iCloud • See the real cost - monthly, yearly and daily totals, one tap apart FEATURES • Radar - every charge in the next 30 days at a glance • Renewal reminders - a heads-up days before you're charged, at a time you choose • Mark as paid - log each payment and keep a history of what you spent • Free-trial tracking - never get surprise-charged when a trial ends • 150+ currencies with live exchange rates - perfect for subscriptions billed abroad • Flexible billing cycles - weekly, monthly, quarterly, yearly, or a custom "every N days/weeks/months" • How to cancel - step-by-step cancellation guides for popular services • Payment methods - see which card or account pays for what • Widgets - your next renewal on the Home Screen and Lock Screen • Spending stats - monthly trends and a breakdown by category • Backup & export - automatic iCloud backup, plus CSV export and JSON backups DESIGNED TO BE CALM A dark, quiet interface that makes keeping an eye on your money feel effortless. PRICING Paydar is free and ad-supported. Not a fan of ads? A single one-time purchase removes them forever. No subscription, ever. (Yes, we see the irony.) Paydar has no account and never sees your subscription data.