Now live: the free NM23 financial tracking tool
Anyone who follows the channel knows I repeat one thing almost every week: there is no point earning in Swiss francs and still being lost with your money. Life here demands organisation, and organisation starts with something simple — seeing what comes in and what goes out. It sounds obvious, but it was exactly what I was missing when I arrived.
So the first tool on the NM23 platform is now live — and it is free. It is a financial dashboard built for people who live between currencies: you enter amounts in CHF, EUR, USD or BRL and the exchange rate adjusts itself, with live rates. In other words: you can earn in francs, keep an account back home and still think in euros, all on one screen, without doing sums in your head.
Why I built it
When I arrived, my money vanished and I did not know where to. It was not a lack of earnings — it was a lack of visibility. Pay here is good, but life is expensive too: rent, compulsory health insurance per person, groceries. Earning well without organising it means the money disappearing. I wanted an honest tool that showed me the truth of my month — and since it did not exist in the form I needed, we built it.
What you can do with it
- Track balances and spending in several currencies at once, with live exchange rates — no spreadsheet required.
- Record income and expenses by category, and see immediately where your money is really going.
- Build a budget, set goals and watch your net worth (what you own minus what you owe) grow month by month.
- Export everything to PDF or Excel whenever you like — to keep, to print or to send to whoever handles your accounts.
- Use it in your own language: available in Portuguese, German, English, Spanish, Italian and French.
- Create a free account and save everything in the cloud — open it on your computer and carry on from your phone, whatever suits your routine.
Genuinely free — and it opens empty
No catch. You create an account with a name and an email, and the tool opens clean, with no sample data getting in the way: it is your financial life, not a ready-made template. Your numbers stay yours. This is not a pretty spreadsheet to photograph for social media — it is a real tool, the one I needed myself.
If you already live here, it helps you get your house in order. If you are still abroad thinking about coming, you can simulate your life in Switzerland before you even board — enter the salary you expect and the costs you have researched, and see whether the maths works on screen. Most people come without ever doing that calculation. Do it.
Have a look, create your account and start today. The first step for anyone who wants to build a solid life here is exactly this: stop guessing and start seeing.