The short answer
To track net worth across countries, record every account in its original currency, convert with a single exchange-rate source on the same date, group holdings by country so you can see exposure, and update at least monthly. A multi-currency net worth app automates the FX and the history.
Why it's harder than it looks
Each country has its own account types, statement formats and apps. A 401(k), a PPF account and a UK ISA have nothing in common except that they are all yours. Currency moves can change your total even when nothing you own changed.
Five rules that keep the number honest
- Keep the original currency for every holding; convert only for totals
- Use one FX source and one date for every conversion
- Group by country to see where your wealth actually sits
- Value property as a range and note the date of the estimate
- Separate locked money (retirement, property) from money you can use
Spreadsheet or app?
A spreadsheet works until the number of accounts, currencies or people grows. An app like Worthken links accounts read-only where it can, imports statements where it can't, and keeps a daily history with FX already applied.
Last updated October 4, 2026. General information, not financial, tax or legal advice.