Track your total net worth across multiple European countries, bank accounts, and currencies. Get a single, clear number for your financial position — wherever you bank in Europe.
Assets
65k
Liabilities
10k
Net Worth
55k
Net worth is assets minus liabilities, and for expats the difficulty is entirely in assembling the list. Assets end up scattered across countries you have lived in: a dormant current account, a workplace pension from a three-year contract, a brokerage you opened before moving and never closed. None of these send you a statement, so none of them appear in a mental tally. Most trackers make it worse by offering no field for a state or occupational pension entitlement at all, which across much of Europe is the single largest asset a household holds. The result is a figure that is not slightly wrong but systematically low, often by a third.
Sources: Your Europe — state pensions abroad
Work through it country by country rather than account type by account type. For each place you have lived: current and savings accounts, any brokerage or fund platform, workplace pension entitlements, and any state pension record. Under EU coordination rules your insurance periods in different member states are aggregated for eligibility even though each country pays its own share, so a short posting still counts toward something. PSD2 lets you connect banks across the whole EEA to one dashboard, which turns most of the liquid side into an automatic feed. Pensions, property and vehicles stay manual, so set a reminder to revalue them once or twice a year rather than leaving them frozen at their original figure.
Sources: EU regulation EC 883/2004, European Commission — PSD2
Once assets sit in several currencies, the headline total moves for reasons that have nothing to do with saving. A 10% shift in sterling against the euro changes a £60,000 holding by around €7,000 with no deposit made and no withdrawal taken. Convert everything at a published reference rate on the day you review, and read the trend over six months rather than reacting to a single month. Apply the same care to liabilities: a sterling mortgage serviced from euro income becomes more expensive in real terms when the pound strengthens, and that mismatch is a genuine exposure even though both numbers look stable in their own currency.
Sources: ECB euro reference exchange rates
Net worth = Total assets − Total liabilities, converted into one currency
Every asset and liability is converted into a single reference currency before the subtraction. For expats the completeness of the list matters as much as the arithmetic: pension entitlements in countries you no longer live in are genuine assets, and they are the ones most often left out because no statement arrives in the post.
Elena has €18,000 in a Spanish account, €31,000 in a German broker, a Dutch pension valued at €26,000 and £14,000 in a UK ISA — about €91,400 in assets. Against a €12,000 car loan and €4,000 on cards, her net worth is roughly €75,400.
Chase the pension statements from countries you no longer live in. They are the single most commonly missing asset on an expat balance sheet.
Convert liabilities as carefully as assets. A sterling debt held by a euro earner grows in real terms when the pound strengthens.
Value property at what it would sell for locally today, net of the transaction costs in that country, which run 5-15% across the EU.
Track the trend rather than the monthly figure. Exchange rates alone can move a multi-currency net worth by several percent with no underlying change.
Re-check dormant accounts annually. Balances left in a country you have moved on from quietly stop being visible.
This is a manual snapshot. Wealthos connects to 3,000+ EU and UK banks via Open Banking and converts each balance at live rates, so the total stays current on its own.
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Wealthos connects to 3,000+ EU and UK banks via Open Banking, converts every balance into your home currency, and forecasts your next decade.
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