为智慧投资者打造的强大功能
计算器、文章、入门指南和术语表都免费，不需要注册账户。多币种净资产追踪器也已开放：创建免费账户就能试用，它的免费方案目前处于测试阶段（beta）。
现已开放，测试期免费
Multi-Currency Net Worth Tracker
追踪器把你的净资产集中在一个地方：你的资产、负债、收入和支出。每一项资产和负债都保留自己的货币，追踪器再把它们全部换算成你选定的一种基础货币，所以即使你的钱分散在不止一个国家，总数依然看得明白。一张图表显示你的净资产随时间的变化。它还能记录股票、加密货币和股息，它的 AI 可以读取你以 PDF 或 CSV 文件导入的券商对账单。你今天就可以创建免费账户。免费方案目前处于测试阶段（beta），所以偶尔可能会遇到错误。
它现在能做什么：
所有资产统一换算成一种基础货币，无论原本以哪种货币计价
你的资产、负债、收入和支出集中在一处
一张显示净资产随时间变化的图表
Free Investment Calculators
计算器免费，对所有人开放。它们覆盖了个人投资者真正会遇到的问题：复利和定期储蓄、格雷厄姆数和安全边际、WACC 和现值、股息收入、仓位规模、还清债务以及各项 FIRE 目标。每个计算器都会随着你输入即时重新计算，并展示计算过程，而不只是给出一个答案；它们都不会要求你注册账户、留下邮箱或开始试用。
Open the calculators
A Beginner's Guide and a Plain Language Glossary
The beginner's guide starts at what a share actually is and works through risk, diversification and compound growth without assuming you already know the vocabulary. When a term turns up that you have not met, the glossary gives it its own page in the same plain words, and where a calculator exists for that idea the entry links straight to it, so you can try the term out with your own numbers.
Start with the beginner's guide
Articles That Take the Long Way Round
The blog handles the questions that will not fit inside a calculator: how to tell whether a share is genuinely cheap or has merely fallen, what Benjamin Graham actually argued and what he did not, how to spread a portfolio across several countries without losing track of it, and how to work out your net worth when it is denominated in four currencies at once. Worthmap publishes in five languages, so every page has an English, Italian, French, Chinese and German address of its own.
Read the articles
Currency Tools for Money Held Abroad
When your salary, your mortgage and your investments are denominated in three different currencies, the exchange rate is part of your return whether you watch it or not. The currency exposure tool shows how much of a portfolio really sits in each currency once you look through the holdings, the FX impact calculator separates what the market gave you from what the exchange rate took back, and a run of articles covers the same ground at greater length.
Try the currency exposure tool为资金跨越国界的投资者打造
Worthmap 是为财务不局限于一个国家、一种货币的人而写的。这一点首先体现在免费内容上：计算器让你选择自己真正习惯用来思考的货币，文章讲的是如何同时在多个市场持有资产，术语表则解释这些文章里用到的词汇。净资产追踪器再把你的钱汇总成一个总数，以你选定的基础货币显示。它可以免费试用，免费方案目前处于测试阶段（beta）。
01
Learn the Vocabulary Before You Need It
Financial writing hides a great deal behind words it never stops to define. The glossary gives each of those terms a page of its own in ordinary language, and where a live calculator exists for the idea, the entry links to it so you can put a number through it straight away. The beginner's guide runs alongside, covering what a share is, why diversification matters and how compound growth behaves over decades.
02
Currency Tools, Not Guesswork
The currency exposure tool takes a portfolio and shows what share of it is genuinely denominated in each currency, which is rarely the answer people expect. The FX impact calculator then splits a period's return into the part the asset earned and the part the exchange rate moved. Both are free, both run in your own browser, and neither asks you to register.
03
Useful If You Live in More Than One Country
Expats and long-stay travellers carry a complication that domestic-only tools ignore: income in one currency, a mortgage in another, investments in a third. The FX impact calculator is built for exactly that split. The tax residency day counter keeps a running tally for anyone watching a 183-day rule, and the visa day counter does the same job for the Schengen 90-in-180 limit and a number of other visa rules.
04
免费投资计算器，全部集中在一处
这套金融工具覆盖投资决策的完整周期：WACC 计算器用于企业估值，SIP 计算器用于测算定投计划，复利计算器用于模拟长期增长，投资组合再平衡计算器用于维持目标配置，安全边际计算器用于检验买入价格。所有工具均免费，无需注册账户。
抢先了解新功能
我们正在不断构建新的工具和功能。留下你的邮箱，我们会在准备就绪后第一时间通知你。
无垃圾邮件。不共享信息。随时退订。
免费，无需账户
工具与学习，向所有人开放
计算器、文章和指南完全免费。无需注册，无付费墙，毫无阻碍。
Free Investment Calculators
Model the scenario you are actually facing: compound interest over decades, a monthly investment plan, the Graham Number and margin of safety on a share you are weighing up, WACC and discounted present value, dividend income, position size, the order in which to pay off debts, and the FIRE targets. Every one of them is free, permanently, and none of them asks you to register.
探索所有金融工具理财博客与深度指南
我们的博客由投资者撰写，写给想要深入理解自己财富的投资者。主题包括如何构建多币种投资组合、如何计算净资产、行业轮动策略、市场情绪分析、价值投资基础以及资产配置框架。不是标题党，而是你可以付诸行动的真正分析。
阅读博客常见问题
计算器、文章、入门指南和术语表。它们都免费，不需要注册账户。多币种净资产追踪器也已开放，使用它需要一个免费账户，它的免费方案目前处于测试阶段（beta）。
可以。追踪器已经开放，你今天就可以创建免费账户。免费方案目前处于测试阶段（beta），我们还在持续改进，所以偶尔可能会遇到错误。
不收费。它们免费使用，也不需要注册账户。每个计算器都在你自己的浏览器里随着你输入即时算出结果，所以不用提交，也不用等待。
五种：英语、意大利语、法语、中文和德语。每个页面在每种语言下都有自己的网址，你可以直接链接到需要的语言版本。
不提供。计算器只是对你填入的数字做运算，文章则解释这些运算通常怎么用。两者都不了解你的具体情况，网站上的任何内容都不是买入或卖出任何资产的建议。