Track net worth across currencies

One net worth figure, whatever it is held in

Each account keeps its own currency. A US brokerage stays in dollars, a UK pension stays in pounds, and your dashboard shows the total in whichever currency you actually spend. Change your display currency and every chart, goal and history re-denominates.

Exchange rates refresh with your market data, so the total is right whenever you look at it rather than whenever you last updated a spreadsheet formula.

• EUR, USD, GBP, CAD and RON as display currencies
• Per-account currency, set once when you add the account
• Automatic conversion in every chart, goal and projection
• Historical balances converted at the rates for their own month

Currency movement is not the same as growth

The reason this matters beyond convenience: when you hold assets abroad, your net worth moves for two different reasons. The assets do something, and the exchange rate does something. A flat year for a dollar portfolio can look like a good year or a bad one to a euro holder depending entirely on the rate.

Totala separates contributions from market movement, so a jump in your total is attributable rather than mysterious. You can see whether a good month was your saving, the market, or the currency.

Why spreadsheets struggle with this

A spreadsheet can convert currencies. What it cannot easily do is convert them at the right historical rate for each month of a five-year history, then recompute every chart when you change your base currency. That is the part people give up on.

Common questions