Track and calculate your net worth across EUR, GBP, CHF, DKK, SEK, and more. Automatically convert all your assets into one clear total with real-time exchange rates.
Your Net Worth
€56,500
Assets
63k
Liabilities
7k
Net Worth
57k
If you hold assets in more than one currency, a simple spreadsheet total is misleading. Exchange rates shift daily — what looked like steady growth in local currency terms might be flat or declining when converted to your reference currency. Multi-currency tracking gives you an accurate, real-time picture by converting every asset at current rates, so you always know your true financial position.
Your reference currency should be the one you spend most in or plan to retire in. For most Europeans, this is EUR — but if you live in the UK, Switzerland, or Scandinavia, GBP, CHF, or your local currency may make more sense. Some people track in two currencies (e.g., EUR and USD) to understand their exposure from different perspectives. The key is consistency over time.
Holding assets in multiple currencies creates implicit currency risk. A strong EUR might erode the value of your GBP savings; a weak USD might boost your American investments. You don't need to hedge everything — some currency diversification is healthy. But you should know your exposure. If more than 60-70% of your net worth is in a currency you don't earn or spend in, consider whether that concentration is intentional.
Net Worth = Total Assets − Total Liabilities
Enter the current value of your assets (savings, investments, retirement accounts, property) and liabilities (mortgage, loans, credit card balances). The calculator computes your total net worth and displays a visual breakdown showing how assets and liabilities compare.
A household with $25,000 in savings, $80,000 in retirement accounts, and $350,000 home equity (total assets: $455,000) minus a $200,000 mortgage, $15,000 car loan, and $8,000 student loans (total liabilities: $223,000) has a net worth of $232,000.
Use current market values for assets, not what you originally paid. Your home value, car, and investments should reflect today's prices.
Include all retirement accounts (401k, IRA, pension values) — these are often people's largest asset and easy to overlook.
Track your net worth monthly or quarterly. The trend matters more than any single number — consistent growth means your financial habits are working.
If your net worth is negative (common with student loans or a new mortgage), focus on the rate of improvement. Moving from -$50,000 to -$30,000 is meaningful progress.