One Net Worth Number, Every Currency You Hold

The moment your money lives in more than one currency, most net worth tools start lying to you. Bank-sync apps are built around a single home currency and a single country's institutions, so a euro account or a foreign brokerage either refuses to connect or gets bolted on at a stale, hidden exchange rate. You end up with a dashboard that quietly mixes currencies, or one that simply ignores half of what you own.

Spreadsheets solve the currency problem but create a new one: you become the exchange-rate feed and the price feed. Every time the dollar moves against the euro, or a stock you hold ticks up, your total is wrong until you go and update it by hand. For anyone holding assets in several currencies, that is not a monthly chore, it is a daily one, and almost nobody keeps up.

MyMoneyViz was built for portfolios that do not fit in one currency. You store each asset in the currency it actually lives in, a euro savings account in euros, a US brokerage in dollars, a London flat in pounds, and the app converts every one of them into the single base currency you pick for your total. Nothing is moved or sold; the conversion is purely how your net worth is expressed.

The exchange rates are live and refreshed automatically, so you are never adding up positions at last year's rate. On top of that, MyMoneyViz fetches live market prices for your listed stocks, ETFs, and crypto, then converts those prices into your base currency too. A US stock priced in dollars shows up correctly in your euro total without you touching a calculator.

Because none of this depends on connecting a bank, it works no matter where your accounts are. You describe what you own, and the app keeps the currency math and the price math current on its own.

Yes. Your base currency is just the lens your total is shown through, not a setting you are locked into. If you move from Berlin to Lisbon and start thinking in euros, or relocate to London and switch to pounds, you change the base currency and every asset is re-expressed instantly at current rates. The underlying positions never change; only the currency they are summed into does.

MyMoneyViz maintains up-to-date exchange rates against the major currencies and refreshes them automatically, so conversions reflect the current market rather than whatever rate was true when you first entered a position. You can see the stored rates and their update times inside the app, and a built-in converter lets you check any pair on the spot.

That is the combination most tools miss. A spreadsheet can convert currencies but will not update the price of your ETF; a broker app updates the price but only in its own currency. MyMoneyViz does both in one step: it pulls the live price of each listed holding and converts that price into your base currency, so a single net worth figure stays correct as both markets and exchange rates move.

MyMoneyViz is manual by design. It fetches prices and exchange rates for you, but it does not log into your accounts, so cash balances, real-estate values, and any private assets are numbers you enter and update yourself. In practice that is about five minutes a month, and MyMoneyViz emails a reminder on the first of each month so it does not slip.

That manual step is the trade-off that makes everything else possible: no credentials leave your hands, nothing breaks when a bank changes its login, and the tool works identically whether your accounts are in one country or six. If you want fully automatic account syncing above all else, a bank-aggregation app will suit you better; if you want an accurate multi-currency total without handing over logins, this is built for you.