I don’t track the market value as long as there is no intention to sell. I just add the amount of the Erneuerungsfond to be a bit less conservative.
If I would consider the market value, I would then deduct or add a separate line for the
Grundstückgewinnsteuer (real estate gain tax), as it will anyway be due. Amount to be updated every year
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Excel sheets or Google sheets.
YNAB is a good (but paid) alternative.
I tried Toshl, don’t like the way credit card are tracked.
Spendee seems to be a good alternative and a little cheaper than YNAB.
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beancount, has unfortunately a rather high initial investment into the setup but then tracking is very nice.
See:
Ok, thanks. I dont want to connect any accounts to apps, but will have a look at YNAB.
Guess I will start tracking my NW manually on a quarterly basis (Stocks / ETFs Total; Crypto total; 3a; Pension fund).
Dont have that many positions, so it should be easy to create a graph in Excel.
For me, most important is to see the actual savings rate / increase of income over the quarters / years.
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Excel sheet on a monthly basis. It’s good enought.
I do not track actual expenses vs. budget as I’m to lazy to enter every expenditure into a system
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I can highly recommend Portfolio Performance, it’s free and you can configure automatic price feed from Yahoo Finance and other sources.
There’s only one security for which I update the price manually once a month.
If you use VIAC, there’s a built-in import tool that can consume the PDF statements from VIAC and automatically generates the transactions. Works perfectly fine for me with 4 VIAC accounts, which would be a nightmare if I had to do it manually.
Here are some screenshots from my Dashboard.
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I use a custom Python script which gets stock prices and currency conversion rates from yahoo finance. It initially started as a list containing the value of my assets in CHF and grew over the years.
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I can confirm that Portfolio Performance (PP) is very useful. It has a steep learning curve and requires an initial investment to set it up. But then it’s fantastic to track all kinds of assets.
You can import bank and buy/sell statements from many banks automatically. A list of covered institutions is available in the PP forum.
Bear in mind that the creator of PP and most of the user base are German, so most institutions are relevant for German investors. But many banks and brokers that are important for Swiss investors are covered, as well, e. g. Swissquote, UBS, and Postfinance.
For other accounts, e. g. current accounts, I’ve created VBA scripts to convert the bank statement (available as csv file) into something that PP can import. I’m not really good at script writing, so anyone familiar with VBA should be able to do it. If anyone is interested how that works, please send me a private message.
Factors that may be more or less important to you:
- Free, can be used for private and commercial purposes
- Good and active support by the creator and a forum, also in English
- Data is on your own computer only (good if you’re apprehensive about sensitive data in the cloud)
- Standalone program for Windows, Mac and Linus, but no mobile app and not accessible via web interface
Parqet is a relatively new competitor and has a free but restricted and two paid pro versions for ~90/330 EUR per year. I’ve just played around with a time limited premium membership and find it very interesting: Nice interface, drag and drop import of documents, good breakdown of your assets, mobile app available. To the best of my knowledge, the program is only available in German. I’m not tempted to switch from PP.
The same seems to apply to Rentablo, but I haven’t tried this one yet.
Cheers,
J.
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You can run Portfolio Performance in a Docker container and then access it through a browser. You can even expose it to the Internet and access ot from anywhere. I had this setup running in the past, but realized that I don’t really need it.
It is also possible to store the PP data files in a cloud e.g. Onedrive and then you can access them from every computer with PP running on it (not via smartphone - there is no mobile app). Whether you want to store your financial information online is up to you though…
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I use an antique program named Quicken for managing all our assets. I’d love to upgrade to something more current but really want it off the internet to avoid data fraud. That said, the old Quicken program is not intuitive but it does a good job.
Can we split the “How to Share your net worth progression” thread?
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Yeah it would make sense. Move all these posts to a new thread “How do you track your net worth?”.
@Bojack could you do that? 
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More info as usual on my blog:You mentioned having ordered and set up 10 servers for mining.
These costs are not visible in your April cash flow. How will you consider them ?
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Are you using Vultr for the mining project (Rent Hardware - Phala Network Wiki)?
Can you provide some more information , expense & income…
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The 10 servers are paid for by the friend that provides the stake. So I only have my own “labor” costs there.
No Vultr is generally too expensive, for now trying to fly under the radar (of detecting crypto mining activity) with a cheaper hosting provider.
Maybe we should discuss this topic in another thread tho.
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I was investing for my girlfriend, loggin in her postfinance and discussing with her how much she wanted to invest, but I never really tracked the progress of her funds. This weekend a big milestone since I decided to add her savings (cash + ETF+ 2nd and 3rd pillar) to my general tracking sheet. So a jump of 90k in one go but now I know what’s our real allocation and I can actually rebalance at the right level.
It screw my nice progression, but we blow past 500k, so that’s nice
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I recently started tracking the net worth of my girlfriend as well. Separately and also combined with me:
Very interesting to see. Back at the beginning of 2020 we were basically “nowhere”. We increased our combined net worth from 45k (31.01.2020) to 182k (30.04.2022) within 27 months. +33k from her, +104k from me. Now in May she got a gift from her parents for buying our apartment. Currently we are at 136k net worth (her) and 171k net worth (me) or 307k in total.
Sidenote how we calculate the net value of our real estate in Switzerland: Current market value - mortgages - Grundstückgewinnsteuer. So CHF 878’000 - CHF 700’000 - CHF 43’200 = CHF 134’800 in our case.
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There is still a lot of potential in terms of salary. My base salary is 85k gross (+ ~20k bonus) and she earns about 50-55k net/year. I’m pretty certain that I can increase my total comp to 130-140k within the next 2-3 years. That should get us to 1 million before I turn 40 and she turns 35 (~2030). But yeah, even if we keep our current savings rate, we should hit 1 million within a decade
Kids will change the equation though 
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