A modern, GDPR-compliant net worth calculator built for EU citizens. Connect your European bank accounts securely via Open Banking and track your complete financial picture.
Your Net Worth
€38,000
Assets
45k
Liabilities
7k
Net Worth
38k
Most popular net worth trackers — Mint, Monarch Money, YNAB — are built for the US market. They don't connect to European banks, don't understand SEPA payments, and don't handle EUR natively. EU citizens deserve a tool built for their financial system: one that connects to European banks via PSD2 Open Banking, handles European currencies, and complies with GDPR. This isn't a nice-to-have — it's the difference between a tool that actually works for you and one that requires manual data entry for every account.
Under PSD2 regulation, over 3,000 European financial institutions are required to provide secure API access to authorised third-party tools. This means you can connect your bank accounts, savings accounts, and even some investment accounts to a net worth tracker automatically — no manual entry, no CSV uploads, no forgotten accounts. Your net worth updates in real time as transactions flow through your accounts.
As an EU citizen, you have powerful data rights. Under GDPR, any tool that processes your financial data must: obtain your explicit consent, tell you exactly what data is collected and why, let you export your data at any time, and delete it completely if you request. When choosing a net worth tracker, look for one that goes beyond minimum compliance — ideally one that can't even see your raw financial data thanks to client-side encryption.
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.