Multi-Currency
Net Worth Calculator
Hold money in more than one country? Your net worth is not one number — it is a different number in every currency. See your total in each, what share of your wealth each currency controls, and what a 10% move would cost you.
Read the full answer — method, rates and figures
Quick answer: If you hold assets in more than one currency you do not have a single net worth — you have one per currency, and they move independently. Convert every holding into the currency you actually spend in, because that is the only yardstick that determines what your money will buy.
Two figures matter beyond the total. CURRENCY EXPOSURE is the share of your net worth denominated in each currency, grouped by currency rather than by account, since two accounts in the same currency are one risk.
SENSITIVITY is what a move in each currency does to your total: if 70% of your wealth sits in a foreign currency and that currency falls 10% against the one you spend, roughly 7% of your net worth is gone without any asset losing value. Holdings already in your home currency are unaffected, which is the asymmetry people miss when they assume that holding assets across several countries diversifies currency risk — it usually concentrates an exposure nobody chose.
Mid-market rates are the right basis for measuring what you own and are not what you receive on a real transfer.
Net worth, measured in USD
$212,678
81.2% of it is held outside USD.
Indicative mid-market rates as at August 15, 2026 · Mid-market is the interbank rate — your provider adds a spread, typically 0.3–0.5% at specialist services and 1–3% at a bank. (exchangerate-api.com mid-market rates)
Last reviewed 3 September 2026 by the Richify AI editorial team.
This is the textbook answer. Want to see this calculated against your actual accounts?
Connect them to Richify →One balance sheet, every currency, kept current
Richify tracks accounts and property across countries and keeps your net worth current in whichever currency you think in — so the exposure above is something you watch, not something you rediscover. Free to start.
Download Richify freeHow it works
Every holding is converted into your home currency at mid-market rates, and the totals are summed there. Nothing is modelled or projected — this is arithmetic on the rates as they stand, which is why the page carries a rate stamp rather than a forecast.
Exposure is grouped by currency, not by account, because two euro accounts are one risk rather than two. The sensitivity figure applies a 10% fall of each currency against your home currency and shows the effect on your total. Holdings already in your home currency move by nothing, which is the asymmetry most people miss when they assume diversification across countries is automatically diversification of risk.
Mid-market rates are the midpoint between buy and sell. They are the right basis for measuring what you own; they are not what you would receive on an actual transfer, and the difference is real money.
The same wealth, six different answers
Identical assets, identical day. The only thing changing between these rows is the yardstick.
| Measured in | Your net worth |
|---|---|
| 🇺🇸 USD — your home currency | $212,678 |
| 🇪🇺 EUR | €183,885 |
| 🇬🇧 GBP | £157,131 |
| 🇯🇵 JPY | ¥33,866,199 |
| 🇦🇺 AUD | A$300,365 |
| 🇨🇦 CAD | C$295,044 |
None of these numbers is more correct than the others. That is the uncomfortable part of holding money across borders: net worth is not a fact until you name a currency, and the one you pick decides whether a year was good or bad. Pick the currency you will spend in, and stay with it — switching yardstick when the answer disappoints is the cross-border version of moving the goalposts.
Your currency exposure, and what a 10% move costs
Grouped by currency rather than by account. The last column applies a 10% fall of that currency against USD — a routine move, not a crisis.
| Currency | Value in USD | Share | If it falls 10% |
|---|---|---|---|
| 🇪🇺 EUR | $138,790 | 65.3% | −$13,879 |
| 🇺🇸 USD — home | $40,000 | 18.8% | no effect |
| 🇬🇧 GBP | $33,838 | 15.9% | −$3,384 |
| 🇯🇵 JPY | $50 | 0.0% | −$5 |
81.2% of your net worth is held outside USD, and the largest single foreign exposure is EUR at 65.3%. A 10% fall in EUR alone would take $13,879 off your total without any asset losing a cent of its own value.
This is the number that surprises people, and it is worth being precise about why. Holding assets in several countries feels like diversification, and for asset risk it is. For currency risk it is often the opposite: you have taken on an exposure you never chose, sized by where your job or your family happened to be rather than by any decision about risk. Knowing the number is not an argument for hedging it — most people should not — but it is an argument for not being surprised by it.
Moving money is a separate cost
Everything above uses mid-market rates, which is correct for measuring what you own and wrong for predicting what you will receive. A bank transfer, a card payment or a remittance all price off a worse rate and then add a fee, and on a large one-off transfer the spread usually costs more than the fee does. If you are about to move money rather than just count it, the mechanics are jurisdiction-specific: sending money to China and the NRI guides for India cover the two corridors we see most.
To convert a single amount rather than a whole balance sheet, the currency converter does that one job. To see where your total sits against other households once you have picked a yardstick, the net worth percentile calculator is the next step.
How to use this calculator
- List what you own, one row per currency. Group anything in the same currency together — the point is the currency mix, not an itemised inventory.
- Set the currency you actually spend in. That is your home currency for this purpose, even if most of your assets sit elsewhere.
- Read your total, then read the same total in the other major currencies. If those numbers differ in direction from what you expected, that gap is currency exposure rather than performance.
- Check the exposure table to see what share of your wealth each currency controls.
- Read the sensitivity row last: it shows what a 10% move in each currency does to your total, which is the risk you are carrying whether or not you chose it.
❓ Frequently Asked Questions
Can my net worth go up and down at the same time?
Yes, and it is the normal case for anyone holding assets in more than one currency. Your net worth is only a single number once you choose a currency to express it in.
If you hold euros and the euro strengthens against the dollar, your wealth rises measured in dollars and is unchanged measured in euros — nothing about the assets changed, only the yardstick. This is why two people can look at the same portfolio and honestly disagree about whether it grew.
Which currency should I measure my net worth in?
The one you will spend it in. That is the practical test, and it usually means your country of residence rather than your country of citizenship or the currency an asset happens to be priced in.
If you intend to retire somewhere else, that destination currency is the more honest yardstick, because it is the one that determines what your money will actually buy. Measuring in a currency you will never spend produces a number that feels good and tells you nothing.
What is currency exposure and why does it matter?
Currency exposure is the share of your net worth denominated in each currency. It matters because it is a risk you hold whether or not you chose it: if 70% of your wealth sits in one foreign currency and that currency falls 10% against the one you spend, roughly 7% of your net worth disappears without a single asset losing value.
Most people discover their exposure by accident — after a move, an inheritance, or a job abroad — rather than deciding it.
Do exchange-rate moves count as gains or losses for tax?
It depends on the jurisdiction and the asset, and the answer is frequently yes in ways people do not expect. Several countries tax the currency gain on foreign assets separately from the asset's own performance, so you can owe tax on a gain you never experienced in your spending currency, or the reverse.
Some also treat foreign currency held as cash as an asset in its own right. This page does not model tax — it is a measurement tool.
Check your own position with a professional in the relevant country.
How often do the exchange rates on this page update?
They are fetched live when the page loads, from a mid-market feed, and the stamp below the calculator tells you whether you are seeing live rates and when they were published, or the built-in snapshot. Mid-market rates are the reference midpoint between buy and sell; you will not get them from a bank or a card.
What you actually receive on a real transfer is lower, and the gap is the point of the cross-border guides linked at the foot of this page.
Does this send my figures anywhere?
No. Everything on this page is calculated in your browser. Nothing is uploaded, stored or logged, and there is no account to create.
That is also its limitation — the figures are gone when you close the tab, which is the problem the Richify app exists to solve for people tracking several currencies over time.
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Further Reading
One balance sheet, every currency, kept current
Richify tracks accounts and property across countries and keeps your net worth current in whichever currency you think in — so the exposure above is something you watch, not something you rediscover. Free to start.
Download Richify free