Guide
Track net worth across currencies
Multi-currency net worth keeps each account in its own currency, converts with a rate you can name, and shows one headline. Earn in one currency, spend in another, hold a third as a reserve. A rate move changes the number even when you spent nothing.
Last reviewed October 20, 2026 by Francis Eshun, Founder of Iron Wealth. He built the on-device tracker these pages describe. Iron Labs.
Why keep the native currency?
Forcing every balance through a weekend FX table is how multi-currency sheets rot. Give each account its own currency, then convert only for the headline. 150+ currencies and a second display currency exist so you are not pasting a mid-market guess from last quarter.
What does a worked example look like?
An earning account holds 8,000 GBP. A receiving wallet holds 45,000 NGN. Use an example rate of 2,000 NGN per GBP, labeled as an example, not a live quote. The pounds are 8,000 × 2,000 = 16,000,000 NGN. Add the wallet: 16,045,000 NGN. If the rate falls to 1,800 NGN per GBP, the same 8,000 GBP is 14,400,000 NGN and the headline drops by 1,600,000 NGN with no spending.
Who is this for?
Anyone who holds a reserve currency next to a local one: remittance households, expats, and people paid in one country who spend in another. A single checking account in one country still gets one clean number. Two currencies is where a single-currency app starts to lie.
Do you need a bank login in every country?
No. Log or import what matters. You do not need open banking in every country you touch. On Android, payment alerts from wallets and banks in Ghana, Nigeria, and Kenya can log transactions for you. Keeping the ledger on your device matters when you change SIMs or do not want a foreign connector owning the view.
How does money moving between currencies show up?
Send 100 GBP from a UK account to OPay and receive 190,000 NGN, an example amount. Log one transfer: 100 GBP out of the pound account and 190,000 NGN into OPay. Any fee is its own line. The headline barely moves because you only moved money. If you log the OPay side as income, net worth jumps by money you already had.
Questions
- Which currencies can I track?
- 150+ world currencies, including GHS, NGN, KES, ZAR, XOF, USD, GBP, and EUR. Each account keeps its own.
- Can I see two headline currencies at once?
- Yes. Dual display is built for a home currency plus a reserve.
- Is multi-currency tracking free?
- Yes. It is part of the free core. Free includes 3 accounts; Pro unlocks unlimited accounts.
Download Iron Wealth and give every wallet its real currency. One private number, two displays if you need them.
