Multi currency net worth calculator

This multi currency net worth calculator adds each amount in its own currency and converts the lines into one total at today's rates. A line with no rate is shown as unavailable. The total never fills a gap with a guessed rate.

TotalNot calculated

Add each balance with its own currency, then pick the currency for the total.

Line 1
Amount
Use a minus for a debt.
Currency
Line 2
Amount
Use a minus for a debt.
Currency

Total currency

Calculate reads the Iron Wealth rate feed. It does not use a central bank quote.

Total in USD

Not calculated

Press Calculate to convert these lines at today's rates. The worked example below uses a labeled example rate, not a live quote.

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How this is calculated

Assumptions

Converted amount = line amount times the spot rate. The rate is units of the total currency for 1 unit of the line currency.
The total adds only lines whose rates came back. A missing rate stays on the page as unavailable and is excluded.
When the line currency and the total currency match, the rate is 1. That identity is not a guessed cross rate.
Live rates come from the Iron Wealth rate feed at the moment you press Calculate. They are not a central bank quote.
The feed also publishes a 0.15% fee for an exchange you would place. This snapshot uses the spot rate and does not subtract that fee.
A minus amount is treated as a debt and reduces the total. The figure is a moment-in-time conversion for education, not a valuation or tax figure.

Worked example, not a live quote

This is an example, not a live quote. Take 1,000 USD and 5,000 GHS, totaled in GHS. The written example uses a stated example rate of 15 GHS per USD, so 1,000 USD is 15,000 GHS. Added to the 5,000 GHS already held, the total is 20,000 GHS. The live tool uses the Iron Wealth rate feed instead of this example rate.

Sources

Live rates: the Iron Wealth rate feed, requested from this site at /api/fx. The response rate means 1 unit of the source currency equals that many units of the target currency.
The worked example uses 15 GHS per 1 USD as a labeled illustration. That number is not a live quote.

Educational software only. This is not financial, tax, or investment advice. Markets, inflation, fees, and your spending can all miss the model.

Last reviewed October 20, 2026 by Francis Eshun, Founder of Iron Wealth. He built the on-device tracker these pages describe. Iron Labs.