Keep cross-border finances together.
Combine cash, investments, property, liabilities, and recurring cash flow from different countries in one financial picture.
Your full financial picture, privately tracked.See how
Multi-currency net worth tracker
See one net worth across every currency in your life.
Track accounts, investments, property, debts, and cash flow in their original currencies while worthi expresses the combined picture in the base currency you choose.
Choose one comparison currency.
Use a primary currency for totals without erasing the currency attached to each underlying record.
Preserve a comparable trend.
Date-based conversion and a stable base currency help mixed-currency net worth history remain easier to interpret over time.
What it helps with
A clearer record of your financial picture.
Base currency
Give the complete picture one common unit.
Choose the currency that makes the most sense for your financial decisions—often the currency where you live, spend, or plan. worthi converts enabled foreign-currency records into that base currency for net worth, asset, liability, investment, and cash-flow totals. Keep it stable when you want history to remain directly comparable.
Select one primary currency for dashboard totals
Use one base consistently across comparable periods
Avoid adding unlike currency amounts without conversion
Original values
Keep each record in the currency it actually uses.
A EUR savings account, USD brokerage holding, RON home, and GBP loan do not need to be rewritten as artificial base-currency balances. worthi keeps the original currency on accounts, assets, holdings, transactions, and recurring rules, then performs the conversion for the combined view.
Record local balances without maintaining duplicate converted entries
Use enabled currencies consistently across financial record types
Preserve both the original amount and its base-currency contribution
FX references
Use date-based rates instead of fragile spreadsheet formulas.
worthi requests daily FX reference data when currency settings are saved or a needed conversion is missing. Stored rates can support dated conversions, including historical records. They are reference rates for personal tracking rather than live market quotes or user-controlled accounting rates.
Rates are stored by date rather than treated as intraday prices
A prior available rate may support a non-trading day or historical date
Provider availability still determines which currency pairs can convert
Currency movement
Know why an unchanged balance can move in the total.
Your base-currency net worth can change even when a foreign account or property value stays flat in its local currency. That is a real translation effect from the exchange rate. worthi shows the consolidated result but does not currently isolate FX movement from underlying asset performance in separate attribution lines.
Read local-currency value and base-currency value as different views
Expect exchange rates to affect historical base-currency totals
Use specialist analysis when separate performance attribution is required
Coverage
Start with common currencies; verify unusual ones.
worthi’s common selector includes USD, EUR, RON, GBP, CHF, CAD, AUD, JPY, SEK, NOK, DKK, and PLN. You may add another three-letter code, but accepting a custom code in settings does not guarantee that the FX provider publishes a rate for it.
Enable only the currencies you use
Confirm conversion availability before relying on a custom code
Do not treat unsupported or missing rates as a zero-value asset
Manual-first tradeoff
Currency conversion does not make the records current.
worthi can refresh the reference rate used for conversion, but it does not automatically import bank balances or revalue property and other manual assets. The resulting total is only as current as both the underlying records and the available FX data.
Update balances and manually valued assets on a consistent schedule
Treat a base-currency change as a break in reporting method
Review enabled currencies after moving or opening foreign accounts
Choose a connected tracker when automatic account imports matter more
Questions
Straight answers before you start.
What is a multi-currency net worth tracker?
A multi-currency net worth tracker keeps each account, asset, investment, debt, or cash-flow record in its own currency, then converts the combined financial picture into one selected base currency. This makes values from different countries comparable without pretending they were originally denominated in the same currency.
How does worthi calculate net worth across currencies?
You choose a primary currency and enable the other currencies in your financial life. worthi preserves the currency on each record, uses date-based FX reference rates when conversion is needed, and expresses dashboard totals in the selected base currency.
Which currencies does worthi support?
The common selector includes USD, EUR, RON, GBP, CHF, CAD, AUD, JPY, SEK, NOK, DKK, and PLN. You can also add a custom three-letter currency code, but automatic FX conversion depends on the reference provider supporting that code.
Are worthi exchange rates live trading quotes?
No. worthi uses date-based FX reference data and stores rates by day. It requests rates when currency settings are saved or when a needed conversion rate is missing. These rates are useful for a consolidated personal net worth view, not trading execution, tax reporting, or intraday valuation.
Why can net worth change when an asset balance stays the same?
A foreign-currency asset can be unchanged in its original currency while its value rises or falls in your base currency because the exchange rate moved. worthi currently shows the consolidated result but does not split historical change into separate FX and underlying-asset performance lines.
Can I change my base currency later?
You can change the setting, but worthi does not currently retroactively restate saved history or previously stored base-currency amounts. Choose a stable base currency when a comparable long-term trend matters, and treat a later change as a reporting-method change.
Does multi-currency support make balances update automatically?
No. FX references can update independently, but worthi remains manual-first. You still maintain account balances, debts, manually valued assets, transactions, and other records. A stale local-currency balance remains stale after conversion.
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