Free

One net worth, 38 currencies.

Add your accounts once, in their own currencies. Moflow totals them in one display currency.

No card needed.

How to add an account How to set your income and burn rate

Add what you own
Cash, savings, investments, property and debts, in their own currencies.
An account keeps the currency it is held in. A savings account in euros stays in euros, a cash account in Canadian dollars stays in Canadian dollars, and a brokerage account in US dollars stays in US dollars.
You enter the balance your statement shows, and nothing is converted on the way in.
Debts go in the same list. A mortgage, a car loan or a credit card holds what is owed, and the total takes it off.
Net worth is what you own minus what you owe.
An account takes a name, a type, a currency and a balance. Sort your accounts under categories of your own, by bank, by country or by who they are for, and each category shows its own total.
On screen, the accounts sit in their categories, in their own currencies, with each category's total in your display currency beside it.
See one total
Moflow converts them into one display currency.
Pick the display currency you think in, from the 38 in the picker. Moflow converts each balance at the exchange rate and adds them up.
Switch the display currency and the same accounts total again in the new one, with nothing to enter twice.
At the top sits your net worth in the display currency, with the money in transit shown beside it. Moflow supplies the exchange rates.
Money on its way between two of your accounts is counted while it travels, so the total does not dip in between.
Portfolio and Allocation read the same accounts in the same display currency, so no balance is typed twice.
Watch it tick
Your estimated net worth, ticking.
Give an account the yearly return you expect, and give Moflow a yearly income and a monthly burn rate. Moflow turns them into what your net worth gains per second, per hour and per day, and the counter climbs at that pace.
It is an estimate from your own rates, never a market price, and it changes no balance.
Over a year, it adds up to what your accounts are expected to earn plus what you expect to save, and that yearly figure is the one the counter is built from.
The gain per second, minute, hour and day sit side by side under the total.

A worked example: three currencies, one total

Four accounts, three currencies and one debt. Say the display currency is the Canadian dollar, at 1.40 Canadian dollars to the US dollar and 1.50 to the euro.

Account	Balance	In Canadian dollars
Cash	20,000 CAD	20,000
Brokerage	50,000 USD	70,000
Savings	40,000 EUR	60,000
Car loan	10,000 CAD owed	−10,000
Net worth		140,000 CAD

Switch the display currency to the US dollar, and the same four accounts read 100,000 USD. Nothing was entered twice, and the euro savings still read 40,000 EUR on their own line.

Now give the brokerage a 6% expected return and the savings 3%, with a yearly income of 120,000 CAD and a monthly burn rate of 8,000 CAD. Growth comes to 6,000 CAD a year and net savings to 24,000, so the counter adds about 82 CAD a day.

That is about 3.42 CAD an hour, and just under a tenth of a cent a second. These rates are for illustration only.

How do I calculate net worth across currencies?

Convert each balance into one currency at one set of exchange rates, add what you own, and subtract what you owe. In Moflow you add your accounts in their own currencies, and the conversion and the total are done for you.

The display currency is only how the sum is shown: switch it, and no account changes.

Can a net worth spreadsheet handle several currencies?

It can, as long as someone keeps the exchange rates typed in and the formulas right. A rate typed in March is still there in October, and a dollar cell added into a column of euros goes unnoticed.

In Moflow, a balance converts from its own currency, at a rate Moflow supplies, and the total is in the currency you chose.

Which currencies can I use?

38 currencies, from the US dollar, the euro and the pound to the Swiss franc, the yen and the Singapore dollar. An account holds one of them, and the display currency is one you pick from the same list.

Two accounts in different currencies can sit in the same category.

Does net worth include your home and other property?

Yes. Real estate, vehicles, precious metals, collectibles and private companies are account types, each at a value you set and update when you choose.

A debt holds what is owed, and net worth subtracts it.