A simple and complete overview of your finances

Dump the excel sheets and get an overview of all your finances. Use the balance sheet tool to gain key insights into your finances and optimize for the life you want.

Illustration of the tool including the Balance Sheet, Savings & Growth and Income & Expenses
Get started easily
With simple and prefilled templates, you can easily get started with the tool
Gain valuable insights
Understand your net worth, forecast how your assets expect to grow, and see the cost of your liabilities
Improve over time
See how the strongest tool in investing, compounding, can steadily improve your financial situation

How it works

Fill out your assets, liabilities, income and expenses

Start by filling out your assets, liabilities, income and expenses with our easy-to-use templates.

Forms to fill out financial information
Overview of your incomes in the tool

Get an overview of your finances

Based on the financial information you filled out, the tool creates an overview of your finances, calculates your net worth and savings potential, and provides a baseline for future projections.

Let the tool make future projections

Planning for the future is hard — let the tool make projections for how your assets are expected to develop based on your current asset types and annual growth rates. The projections also include a visualisation of how inflation affects your asset growth.

Graph with future projections of your assets, based on annual growth rates and inflation

The balance sheet concept

Balance sheets are used by companies to understand how financially robust the company is. The balance sheet concept can be applied to your personal finances to evaluate your financial strength and status.

The BS tool gives an overview of your assets, liabilities, and net worth. Knowing your net worth is your first step to financial freedom and the life you want.

Assets

Everything you own that has value or can create value and be converted into money, such as property, stock investments, cash, pension funds, savings accounts, collectibles and cars.

Your assets are all items of value that you control, including assets purchased with liabilities. Assets that steadily increase over time can give exponential growth to your net worth.

Net worth

How much of your assets are actually yours? Your net worth is the difference between your assets and your liabilities.

Assets — Liabilities = Net worth.

Liabilities

All that you owe someone else such as mortgages, student loans, credit card debt, and car loans.

Calculate your net worth

Calculate your net worth

Step 1: Fill out your assets

List the things you own that have value or can create value and be converted into money, such as property, stock investments, pension funds, savings accounts, collectibles, and cars.

Name
Value

Step 2: Fill out your liabilities

List everything that you owe someone else such as mortgages, student loans, credit card debt, and car loans.

Name
Value

Sustainable pricing to help you reach your financial goals

€4.99

per month

  • Personal finance overview

  • Net worth overview

  • Future asset value prediction tool

  • Inflation & savings effects calculator

  • 14 days free trial

We act independently of sponsoring third parties, ads and financial institutions and believe in taking a fair price for a well-made product. That way we can continue doing what we love, which is building a great product for you, and you can feel safe that we'll never sell your data or promote third party products.