Multi-currency
Multi-currency net worth tracker
Hold accounts in any of 31 currencies and see one number. Every balance converts nightly at European Central Bank reference rates into whichever base currency you choose, so a euro salary, dollar investments and rupee savings finally add up to something comparable.
Sample data · switch the base currency
The same holdings, in whichever currency you think in
Total in EUR
€413,933
Rates above are illustrative and fixed so this demo is stable. The live app converts nightly at European Central Bank reference rates across 31 currencies.
Why one number across currencies is harder than it looks
Adding £5,000 to €5,000 is not a sum you can do once and forget. The answer changes every day, and which day you picked changes what your history appears to say.
This is where spreadsheets quietly go wrong.Most people paste a rate in once. Months later, half the sheet is converted at a rate from last spring and the other half at last week's, and the resulting trend line is measuring the exchange rate as much as the wealth. It looks precise and is not.
The fix is to convert consistently: one source, one rate per day, applied to every balance on that date. Then a rise in your net worth means you actually have more, not that sterling moved.
How conversion works here
What we do
- Each account keeps its own native currency
- One base currency you pick, changeable later
- Nightly rates from the European Central Bank
- History re-converts consistently, not ad hoc
31 currencies — the full ECB reference set.
What we avoid
- Rates typed in once and left to rot
- Mixing conversion dates across accounts
- Hiding which currency a balance is really in
- Pretending a rate move is a gain
Your account still shows its own currency; only the total is converted.
Changing your base currency later re-converts every historical aggregate at the rates stored for those dates. Nothing is lost, and the shape of your history does not change — only the unit it is expressed in.
Currency exposure is a risk, not just a display setting
If you earn in one currency, save in a second and invest in a third, some of your net worth moves for reasons that have nothing to do with your decisions. That is worth being able to see rather than discovering it during a bad month.
The analytics break your holdings down by currency, so you can see what share of everything you own sits in each — and whether a single currency dominates in a way you did not intend. For expats, cross-border workers and anyone paid in a currency they do not live in, this is usually the most useful screen in the product.
The supported set is the full ECB reference list: AUD, BGN, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, ISK, JPY, KRW, MXN, MYR, NOK, NZD, PHP, PLN, RON, SEK, SGD, THB, TRY, USD and ZAR. If yours is missing, tell us — the list is bounded by our rates provider, not by the product.
Multi-currency tracking versus a spreadsheet
| NetWorthTrackr | A spreadsheet | |
|---|---|---|
| Exchange rates | Nightly, from the ECB | Whatever you last pasted in |
| Consistency across accounts | One rate per day, applied to all | Whatever date each cell was edited |
| Changing base currency | Re-converts the full history | Rebuild every formula |
| Currency exposure view | Built in | Another sheet to maintain |
| Currencies | 31 | Any, if you maintain the rates |
| Cost | Free | Free |
A spreadsheet is fine for a single currency and a handful of accounts, and plenty of people never need more. It stops being fine the moment rates matter: the maintenance burden of keeping conversions consistent is exactly the work software should be doing for you.
Common questions
31 — the full European Central Bank reference set, including USD, EUR, GBP, INR, JPY, CHF, AUD, CAD, SGD, CNY, BRL and ZAR.
European Central Bank reference rates, refreshed nightly. They are a published, neutral daily benchmark rather than a broker spread, so your history is consistent and auditable.
Yes, at any time. Historical aggregates re-convert at the rates stored for those dates, so nothing is lost and the shape of your history is unchanged.
Yes. An account in GBP still reads in GBP. Only totals, charts and analytics are expressed in your base currency.
Ask us. The supported set is limited by our exchange-rate provider rather than the product itself, and requests decide what gets added next.
That is the case it is built for. Because nothing connects to a bank, there is no country coverage list — accounts anywhere are tracked the same way, in their own currency.