Net Worth Intelligence
Comprehensive Wealth Tracking Across All Currencies
Worthmap is built for people whose money sits in more than one country and more than one currency. The multi-currency net worth tracker is now open, and its free plan is in beta. The calculators, articles, beginner's guide and glossary stay free and need no account.
Real-time FX rates
Multi-asset tracking
Free calculators, no account needed
Platform Features
Everything You Need to Understand and Track Your Finances
From tracking your net worth across multiple currencies to deep stock analysis, Worthmap is the wealth tracker and investment portfolio tracker that gives you a comprehensive financial overview unlike any other platform.
01
Multi-Currency Net Worth Tracking
The only multi-currency net worth tracker built for a world where your assets span multiple currencies. Consolidate every asset and liability, real estate, equities, crypto, bank accounts, business holdings and more, each recorded in its native currency and instantly converted into any currency you choose. Log income and expenses, track P&L over time, and access your full financial history with performance charts that show exactly how your wealth has shifted. The wealth tracker designed for how you actually live.
02
Free Value Investing Calculators
Go beyond a price chart without paying for a terminal. The Graham Number calculator turns earnings and book value into a single ceiling figure, the margin of safety calculator shows how much room the price on offer actually leaves you, and the PEG, present value, WACC and dividend calculators handle the rest of the arithmetic a value investor keeps redoing by hand. Each one recalculates as you type and shows its working rather than only the answer, none of them asks for an account, and the articles explain what each figure can and cannot tell you.
03
Market Rotation & Sector Analysis
Where your money is allocated is something you can measure today, even if where capital flows next is not. The asset allocation calculator sets the weights you want across asset classes, the portfolio rebalancing calculator shows how far each holding has drifted from them and what it would take to bring it back, and the articles cover how sector and asset class exposure is normally thought about without pretending anyone can time the turn.
04
Currency Exposure and FX Impact Tools
When your money sits in several currencies, exchange rates move your wealth even when your investments stand still. The currency exposure calculator shows what share of a portfolio is really in each currency once you look through the holdings. The FX impact calculator splits a period's return into the part the asset earned and the part the exchange rate moved. In the net worth tracker, each asset and liability keeps its own currency and is converted into the base currency you pick.
Managing wealth is complicated - especially across borders. The tools you use should not be.
Start with the free tools - 30+ calculators, in-depth guides, and an investing education path built from the ground up. No account, no signup, no limits.
Ready to See Your Complete Financial Picture?
The net worth tracker is open now. Create a free account to try it. The free plan is in beta, so tell us if something looks wrong. The calculators, the articles, the beginner's guide and the glossary stay free, with no account needed.
100% Free - No Login Required
Free Financial Tools, Education, and Research
Beyond the core platform, we provide a growing library of free resources - because we believe better investors are made, not born. Everything below works without an account, without a paywall, and without limits.
Free forever
30+ Free Investment Calculators
Model any financial scenario with our comprehensive calculator suite. Compound interest calculator, retirement calculator, net worth calculator, WACC calculator, ROI calculator, DCF calculator, dividend calculator, Graham Number, debt snowball planner, option pricing calculator, present value calculator, SIP calculator, and more. Every personal finance tool is free, forever - and designed to help you plan with confidence.
Financial Blog & In-Depth Guides
The blog covers the questions that will not fit inside a calculator: how to build a multi-currency portfolio, how to work out your net worth when it is denominated in four currencies at once, what Benjamin Graham actually argued, how sector rotation is normally described, and how asset allocation gets decided. Every article is published in English, Italian, French, Chinese and German.
Investing Education for Beginners
New to investing? Our structured learning guides cover the fundamentals - from understanding what a stock is to building your first diversified portfolio. Learn about asset allocation, risk management, compound growth, and financial planning at your own pace.
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Your wealth, clear and in control
Three steps to financial clarity, wherever you are in the world.
1
Add your assets
Stocks, real estate, cash, and more, in any currency. Worthmap converts everything into your base currency automatically.
2
See your wealth in real time
Your net worth today and how it has changed over time, all shown in the base currency you pick.
3
Research with confidence
Our analytical tools help you surface potential opportunities and stress-test your portfolio. The analysis is data-driven, the decisions are always yours.
Frequently Asked Questions
Worthmap is a net worth tracker and a free set of investment tools and writing for people who hold money in more than one currency: expats, cross-border workers, and anyone whose salary, mortgage and investments are not all in the same one. The tracker is open. You record your assets, liabilities, income and expenses, each in its own currency, and see them added up in one base currency you pick. It needs a free account, and its free plan is in beta. The calculators, the articles, the beginner's guide and the glossary need no account at all.
In the tracker, you give each asset and liability its own currency: a flat in euros, shares in dollars, savings in pounds. You pick one base currency, and Worthmap converts everything into it, so you see a single net worth figure and a chart of how it has moved over time. You can log income and expenses the same way. If you want to see how much of a change came from the exchange rate rather than the investment itself, the free FX impact calculator makes that split.
Yes. Every calculator on the site is free and runs in your own browser: Graham Number, margin of safety, WACC, present value, compound interest, SIP and DCA, dividend income, portfolio rebalancing, currency exposure, FX impact, debt snowball, option pricing and the FIRE targets among them. The articles, the beginner's guide and the glossary are free too. The net worth tracker has a free plan. It is in beta, so a few figures or features may still contain errors. The Pro and Enterprise plans are not available yet.
The main difference is currencies. In the tracker, each asset and liability keeps its own currency, and the total is converted into a base currency you pick, so money spread over several countries adds up to one figure. The tracker also records dividends and stock splits, has a stock screener, and can use AI to read a broker statement you import as a PDF or CSV. Around it, the free calculators are built for the same problem. The currency exposure tool shows what share of a portfolio is really in each currency once you look through the holdings, and the FX impact calculator splits a period's return into the part the asset earned and the part the exchange rate moved. Every page exists in English, Italian, French, Chinese and German.
The FX tools work in fourteen currencies: US, Australian, New Zealand, Canadian, Singapore and Hong Kong dollars, euro, pound, Swiss franc, yen, yuan, Thai baht, Vietnamese dong and Indian rupee. That is the whole list today. Worthmap does not scan or quote any market, so there is no market coverage to claim either: the calculators work on the numbers you give them, taken from whichever exchange your holdings happen to sit on.