Add up what you own. Subtract what you owe. Built for Europe, so it counts the state and workplace pensions most trackers miss.
Assets
45k
Liabilities
7k
Net Worth
38k
Most widely used net worth trackers were built for the American market, and it shows in the fields they offer. They have a box for a 401(k) and none for a state pension entitlement, no concept of an occupational scheme with a transfer value, and nothing for country-specific vehicles such as Riester in Germany, PEA in France or Pillar 3a in Switzerland. For many European households those entitlements are the single largest asset they hold, and omitting them can understate net worth by a third or more. A tracker built for European balance sheets starts from the categories that actually exist here, handles euro and non-euro balances natively, and connects to European institutions rather than asking for manual entry every month.
Under the PSD2 directive, banks across the EEA must provide secure API access to regulated third-party providers when the account holder authorises it. In practice that means current accounts, savings accounts and in many cases investment accounts can feed a net worth tracker directly, with no CSV exports and no forgotten balances. Authorisation happens inside your own bank's interface, so the tracker never sees your banking credentials, and access is read-only and revocable at any time from either side. Because PSD2 applies across the entire EEA rather than one member state, accounts in Germany, France, the Netherlands and Spain can all update in the same dashboard. Manual entries are then only needed for property, vehicles and private pensions.
Sources: European Commission — PSD2, European Banking Authority — PSD2 register
GDPR gives you specific, enforceable rights over financial data any provider holds about you. You must be told what is collected and why before consenting. You can demand a copy of everything held on you in a portable format, require corrections, and request complete erasure — and the provider has one month to respond. Consent must be as easy to withdraw as it was to give. When choosing a tracker, treat the legal minimum as the floor rather than the goal: look for data stored inside the EU, encryption in transit and at rest, and ideally client-side encryption, which means the provider cannot read your figures even if compelled to hand over what it stores. Ask how deletion actually works before you connect anything.
Sources: GDPR — rights of the data subject, European Data Protection Board
Net worth = Total assets − Total liabilities
Add what you own, subtract what you owe. For European households the asset side usually includes categories that a US-built tracker has no field for: state pension entitlements, occupational schemes, and country-specific vehicles such as Riester in Germany or Pillar 3a in Switzerland. Leaving them out understates most European balance sheets substantially.
A household in Lyon holds €14,000 across current and savings accounts, €22,000 in a PEA, €48,000 in accrued pension entitlements and €95,000 of equity in their flat — €179,000 in assets. Against a €140,000 mortgage and €6,000 of consumer credit, net worth is €33,000.
Include pension entitlements. Across much of Europe they are the largest single asset a household holds and the one most often omitted.
Use today's local market value for property, not the purchase price, and remember that selling costs 5-15% depending on the country.
Under GDPR you can demand an export of everything a provider holds on you, and its deletion. Choose tools that make both easy rather than merely possible.
Track monthly and read the trend, not the reading. Direction over six months tells you far more than any single month's total.
Open Banking under PSD2 covers the whole EEA, so accounts in several member states can update automatically rather than by hand.
This snapshot is as current as what you typed. Wealthos connects to 3,000+ European banks via PSD2 Open Banking, encrypts your figures at rest on EU servers, and updates without manual entry.
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Wealthos connects to 3,000+ EU and UK banks via PSD2 Open Banking and keeps your figures encrypted at rest on EU servers.
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