Track your total net worth across multiple European countries, bank accounts, and currencies. Get a single, clear number for your financial position — wherever you bank in Europe.
Your Net Worth
€55,000
Assets
65k
Liabilities
10k
Net Worth
55k
Living across borders in Europe means your finances are inherently fragmented. You might have a salary account in the Netherlands, savings in France, investments in USD, and a Revolut multi-currency wallet. Traditional net worth calculators assume a single country and currency — they break down the moment your financial life spans borders. A purpose-built tracker aggregates everything into one clear number, automatically handling currency conversions and cross-border account connections via Open Banking.
PSD2 and Open Banking regulations give you the right to connect bank accounts from over 3,000 European financial institutions to a single dashboard. This means your German savings account, your Spanish investment portfolio, and your Irish current account can all feed into one net worth calculation — updated automatically. The key is choosing a tool that supports genuine multi-country aggregation, not just multi-currency display.
If you hold assets in EUR, GBP, CHF, and DKK, your net worth changes every day — even if you don't spend a cent. A 5% swing in GBP/EUR can move your effective net worth by thousands. Understanding this exposure is the first step to managing it. Track your net worth in your primary currency but monitor the currency breakdown so you can rebalance if one currency becomes too dominant in your portfolio.
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.