Multi-Currency Net Worth Tracker

Daily spending tells one part of your financial story. Net worth brings assets and liabilities together so you can follow the broader picture over time.

Bring the pieces together

Spendly combines your account balances, recorded investments, and liabilities into a net worth view. Accounts in different currencies roll up into your chosen base currency, giving the overview a consistent unit.

A savings balance, an investment valuation, and an outstanding loan can each have a place in that picture. Keeping the inputs current helps you understand how they relate.

Follow the trend over time

Review your net worth chart across available periods and see how the recorded total changes. A longer view can make gradual progress easier to notice than checking balances one account at a time.

Your dashboard brings that trend into the everyday overview. Reports give you room to explore the history in more detail.

Understand a multi-currency total

When foreign accounts are included, both balances and exchange rates can affect the combined number. Spendly preserves the original account currencies while converting totals for the overall view.

That means the combined figure has context: a change may reflect saving, spending, investment values, debt repayments, or currency movements. Review the underlying accounts when you want to understand what contributed.

Keep investments in the picture

Use investment tracking to record dated valuations for your holdings. That lets you include assets such as investments, property, or a pension in the same financial perspective.

Pair net worth with spending reports to understand the day-to-day activity and with savings goals to give future progress a direction.