Multi-currency net worth tracker
Bring accounts, pensions, property and debts into one reporting currency. Start with manual balances, connect supported accounts if you need Premium, and know what to check next month.
Standard manual records in one consistent currency are free. Premium costs €5/month for ongoing records across currencies and supported bank connections. Check the plan limits and your institution before paying.
This fictional GBP/EUR household has cash, a pension, a home and a mortgage. The rates are fixed illustrations, not market quotes. The example is a calculation you can reproduce, not a customer result or an app screenshot.
1 August: GBP 1 = EUR 1.2
1 September: GBP 1 = EUR 1.18
| Account | August balance | August in EUR | September balance | September in EUR |
|---|---|---|---|---|
| UK cash | GBP 12000 | 14400 | GBP 12500 | 14750 |
| UK pension | GBP 30000 | 36000 | GBP 30000 | 35400 |
| Euro savings | EUR 10000 | 10000 | EUR 10000 | 10000 |
| Home | EUR 240000 | 240000 | EUR 240000 | 240000 |
| Mortgage | EUR -150000 | -150000 | EUR -150000 | -150000 |
| Net worth in EUR | 150400 | 150150 | ||
UK cash rose by GBP 500. At the first rate, that adds EUR 600. The second review has GBP 42,500 in cash and pension balances; converting that amount at 1.18 instead of 1.20 removes EUR 850. Together: EUR 600 − EUR 850 = EUR −250.
The new total is EUR 150,150. This split applies the old rate to balance changes first, then the rate change to the new balances. It explains this example's arithmetic; it does not measure investment performance, realized FX profit or taxable gains.
Keep each statement or valuation date in your own review notes. In a real portfolio, use the latest available debt balance and mark older valuations clearly. The home's full value and its mortgage appear separately; do not also add home equity.
The home and pension are part of total net worth, but may not be available for near-term spending. The FIRE balance-sheet worksheet helps you keep those questions separate.
Download the fictional balances and calculation checks (JSON). No email or account required. The separate product demo uses its own data and exchange rates, so its totals will differ.
Preserve your own dated reference if you need an exact historical FX valuation. This page does not promise that every historical chart uses locked snapshot-date rates. The worked example uses fixed rates so you can audit the arithmetic independently.
Follow the first-account guide or check what can move from a spreadsheet.
Enter account and asset balances yourself. Standard supports records in one consistent currency. Use Premium for ongoing updates across original currencies, including unsupported pensions or overseas accounts. You remain responsible for checking amounts and keeping them current.
Premium adds supported institution connections through the available providers. Availability varies by country, institution and account type. A bank appearing in a directory does not guarantee that your pension, brokerage or particular account will sync.
Before upgrading, check each important account in the connection flow. Decide whether the remaining manual updates are acceptable. Do not count the same account once manually and again through a connection.
Sharing with a partner? The verified encrypted-vault workflow requires Premium for both people: €10/month total. Read the sharing requirements.
Try PopaDex when a saved cross-currency balance sheet and optional supported connections solve the work you want to reduce. Keep your spreadsheet if custom formulas and your current review process already suit you. There is no need to switch just to change the dashboard.
For transaction budgeting across currencies, inspect PocketSmith's documented workflow. If specialist assets or portfolio-performance analysis matter most, compare Kubera against those requirements. Multi-currency support alone is not a reason to choose PopaDex.
PocketSmith's multi-currency documentation · PopaDex and Kubera comparison
Moving from a domestic budgeting app? The Monarch alternative guide for Europe separates cross-border balance tracking from transaction-budgeting needs before you switch.
Product guidance reviewed 12 September 2026. Provider descriptions are not independent hands-on testing. See our current pricing and encryption scope and limitations.
Yes, using Premium for ongoing records across original currencies. Standard supports free manual records in one consistent currency; its initial foreign-account setup exception does not include subsequent cross-currency updates. You do not need to connect a bank. Check the converted total against your own records.
No. Currency conversion and bank connectivity are separate. Premium connections depend on your institution, country and account type. Check your exact account before paying and enter unsupported balances manually.
A change in the exchange rate changes the reporting-currency value of a foreign balance. Compare original balances and rates separately. The worked example also shows how extra GBP cash can coincide with a lower EUR total.
Do not assume that. PopaDex's monthly-balance CSV workflow expects a specific format, not an arbitrary Excel workbook, Google Sheet or transaction export. Keep an untouched backup, test a small sample and reconcile it before moving more history.
Update or explicitly verify balances, keep statement and valuation dates in your own notes, check the converted total, and retain a dated record. Identify stale amounts and duplicated accounts. A login or background sync alone does not complete that review.
Standard manual records in one consistent currency are free. Premium costs EUR 5 per month and includes ongoing records across currencies and supported bank connections. The verified couples-sharing workflow requires two Premium subscriptions and enabled encrypted vaults, totaling EUR 10 per month. Use the actual checkout offer; no general free trial is promised here.
Start with one manual account. Add the assets and debts relevant to your own financial picture, then check the total against your records.
For related workflows: tracking finances after a move, UK accounts and overseas assets, FIRE balance-sheet tracking, or the net-worth tracker overview.
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