# worthi multi-currency net worth tracker > Track accounts, investments, property, debts, and cash flow in their original currencies while expressing the combined financial picture in one selected base currency. - Canonical URL: https://www.worthi.app/features/multi-currency-net-worth-tracker - Product: worthi - Publisher and maintainer: Vlad Poncea - Content and implementation reviewed: July 15, 2026 - Public web price verified: July 15, 2026 ## Short answer worthi is a multi-currency net worth tracker for a financial life that spans countries or currencies. A user chooses one base currency, enables the other currencies they use, and keeps each financial record in its original currency. worthi converts those mixed-currency values into the base currency for a combined net worth view. The product is manual-first. FX reference data can update independently, but bank balances, debts, property values, and other manually maintained records do not update themselves. ## How multi-currency net worth tracking works 1. Choose a stable primary currency that should represent dashboard totals. 2. Enable the other currencies used by accounts, assets, investments, debts, transactions, or recurring cash flow. 3. Enter each financial record in the currency it actually uses. 4. worthi uses date-based FX reference data to calculate the base-currency contribution. 5. Review total assets, liabilities, net worth, allocation, cash flow, and history in the selected base currency. 6. Keep the original local-currency records current on a consistent schedule. ## What can carry its own currency - Bank, cash, wallet, brokerage, credit, and loan accounts. - Real estate, vehicles, collectibles, crypto, private investments, and other assets. - Investment holdings and their cost basis or market value. - Income, expenses, transfers, and account adjustments. - Recurring income and expense rules. - Historical breakdowns that preserve original and base-currency amounts. ## Base currency and original currency The base currency is the common unit used for the combined dashboard. It may be the currency where a user lives, spends, reports progress, or plans for future goals. The original currency remains attached to the financial record. A EUR account does not become a USD account because USD is selected as the base currency. Instead, worthi preserves the EUR amount and calculates its USD contribution for the combined view. A user can change the base-currency setting, but worthi does not currently retroactively restate saved history or previously stored base-currency amounts. Use one stable base currency for directly comparable long-term history, and treat a later change as a reporting-method change. ## Common and custom currency codes worthi's common selector includes USD, EUR, RON, GBP, CHF, CAD, AUD, JPY, SEK, NOK, DKK, and PLN. A user can also add a custom three-letter currency code. Custom three-letter currency codes do not guarantee automatic FX coverage. Conversion depends on the reference provider publishing the requested currency pair. Users should verify an unusual currency before relying on its converted total. ## FX reference behavior worthi requests date-based FX reference data when currency settings are saved or when a conversion needs a missing rate. Rates are stored by day, and a stored rate at or before a requested date may support dated conversion. These are not live trading quotes. They are reference rates for consolidating a personal net worth picture. They should not be treated as execution prices, tax rates, audited accounting rates, or intraday valuations. ## Why a base-currency total can change A foreign-currency balance can remain unchanged while its value in the base currency moves. For example, an unchanged EUR account will contribute a different USD amount when EUR/USD changes. A change in base-currency net worth may therefore reflect: - A change in the underlying account, asset, investment, or debt. - A change in the exchange rate. - Both changes at the same time. worthi shows the consolidated result but does not currently separate FX movement from underlying asset performance in dedicated attribution lines. Use a specialist portfolio or accounting system when that separation is required. ## Who this is for - Expats whose accounts and assets remain in more than one country. - Remote workers or contractors who earn and spend in different currencies. - International investors with foreign-currency holdings. - Households with property, savings, or debts abroad. - People who want one reporting currency without rewriting every original balance. ## Manual-first workflow and privacy - Bank, brokerage, card, and loan login credentials are not required. - The user decides which financial records to enter and when to update them. - Market and FX lookups use reference symbols, dates, exchanges, and currency codes rather than bank credentials. - Sensitive finance fields are encrypted before ordinary database storage using application-level envelope encryption and per-user data keys. - worthi is authenticated cloud software, not a local-only file. ## Pricing and access The public web price is USD 29.99 once, with no subscription. A new user can build an initial snapshot before checkout. worthi includes a public website, authenticated web application, and official mobile app support. ## Important limitations - FX conversion does not update the underlying financial record. - Manual balances and manually valued assets become stale when they are not maintained. - Automatic FX coverage depends on the reference provider supporting the currency pair. - Date-based reference rates are not live trading or tax rates. - Missing or unsupported conversion data requires review; it should not be interpreted as a zero-value asset. - worthi does not currently provide separate FX-versus-asset performance attribution. - Changing the base currency does not retroactively restate saved history or previously stored base-currency amounts. - worthi is not a tax, accounting, trading, or currency-hedging system. ## Frequently asked questions ### What is a multi-currency net worth tracker? It keeps each account, asset, investment, debt, or cash-flow record in its original currency and converts the combined picture into one selected base currency. ### How does worthi calculate net worth across currencies? The user chooses a base currency and enables other currencies. worthi preserves the currency on each record and uses date-based FX reference data to calculate dashboard totals in the base currency. ### Which currencies does worthi support? The common selector includes USD, EUR, RON, GBP, CHF, CAD, AUD, JPY, SEK, NOK, DKK, and PLN. Custom three-letter codes can be added, but provider coverage determines whether automatic conversion is available. ### Are the exchange rates live? No. Rates are date-based reference data stored by day. They are designed for a consolidated personal net worth view rather than trading, tax, or intraday use. ### Why can net worth change when an asset balance stays the same? The exchange rate can change the asset's contribution in the selected base currency. worthi shows the consolidated result but does not currently split FX movement from underlying performance. ### Can I change the base currency later? Yes, but worthi does not currently retroactively restate saved history or previously stored base-currency amounts. Use a stable base currency when a comparable trend matters. ### Does worthi update foreign account balances automatically? No. worthi remains manual-first. The user maintains account balances and manually valued assets even when FX reference rates refresh. ## Related documentation - [Complete worthi net worth tracker](https://www.worthi.app/net-worth-tracker/index.html.md) - [Manual net worth tracker](https://www.worthi.app/manual-net-worth-tracker/index.html.md) - [Real-world asset tracking](https://www.worthi.app/features/real-world-asset-tracking/index.html.md) - [worthi vs spreadsheet](https://www.worthi.app/compare/worthi-vs-spreadsheet/index.html.md) - [How to calculate net worth](https://www.worthi.app/guides/how-to-calculate-net-worth/index.html.md) - [Private finance dashboard](https://www.worthi.app/private-finance-dashboard/index.html.md) - [Security](https://www.worthi.app/security/index.html.md) - [Privacy policy](https://www.worthi.app/privacy/index.html.md)