Net worth tracker

What this tool does

It adds up everything you own, subtracts everything you owe, and shows the difference as one net-worth figure in your home currency. Hold accounts in more than one currency? Give each row its own currency and the exchange rate you read off a single source on a single date, and the tool pulls them all into your home currency. Save the total each month to see the trend, which is the only number that actually tells you anything.

How this tracker works

For each account you enter an amount in its own currency and a rate: how many units of that currency equal one unit of your home currency, the same direction the European Central Bank quotes (1 euro to 0.86468 pounds). The tool divides by that rate to convert. The exchange rates are your own: the ECB publishes euro reference rates for a few dozen currencies, which it says are 'published for information purposes only' and for which 'using the rates for transaction purposes is strongly discouraged', so treat them as a fair public yardstick, not a dealing price. Pick one source and one date each month and use them consistently. Net worth can be negative, and that is fine. Saving a month stores only the total and a month label in this browser on this device: no account, no server, nothing leaves the page. This tool is educational, not financial advice, and it does not name or recommend any product.

When to use it

Once a month, on a date you will actually remember, using the same rate source each time. Often enough to build a habit and draw a real trend line, rarely enough that the daily wobble of exchange rates does not swamp the picture. Do not compare yourself to an age benchmark; compare this month with last month.