Free net worth calculator & tracker
See your whole estate.
In every currency.
Add up your bank accounts, savings, investments, home, car, crypto and gold, each in its own currency, minus what you owe. See your net worth, where it sits and how much you could reach quickly, then keep it current with daily rates.
in homes
Net worth
5 currencies, in US dollars
- Homes
61%61% - Investments
17%17% - Crypto
7%7% - Metals
4%4% - Cash
10%10%
Owned
Owed
Liquid
🏛️ One estate, five currencies
What you get
Your real net worth
Everything you own minus everything you owe, with your liquid net worth beside it.
Every currency, one total
Dollars, euros, reais, Bitcoin and gold, added up in the currency you choose.
Where your wealth sits
Allocation by type and by currency, and a nudge when one bucket passes 60%.
Free and private
No ads, no premium tier. Your data stays on your device.
Net worth calculator
Your net worth, in every currency
Add what you own and what you owe, each in its own currency. You get your net worth, your liquid net worth, your debt-to-asset ratio and where your wealth sits, by type and by currency.
Your currency
Totals show in USD. Each row keeps its own currency, converted at today's rates.
What you own
- $8,000
- €20,000≈ $22,507
- $60,000
- ₿0.20≈ $16,904
- 5 oz≈ $20,688
- R$900,000≈ $172,380
- $18,000
What you owe
- −R$380,000≈ $72,783
- −$2,400
Add a row
yours
Your net worth
$318,478 owned − $75,183 owed
Liquid net worth
$125,698
Debt to assets
24%
Currencies
5
Where it sits
- 🏠 Homes$172,38054%
- 🚗 Vehicles$18,0006%
- 🌳 Investments$60,00019%
- 💎 Crypto$16,9045%
- 🥇 Metals$20,6886%
- 💵 Cash$30,50710%
🧺 Well diversified: no bucket above 60%
Well diversified: nothing above 60%, 5 currencies and 24% borrowed. Most splendid. I shall keep it polished.
Your numbers come with you. No account needed.
The net worth math, in plain words
- Net worth
- = Everything you own − everything you owe
- $318,478 owned (including a R$900,000 home, $172,380) − $75,183 owed = $243,296.
- Liquid net worth
- = Net worth − home and car + the loans on them
- $243,296 − $172,380 home − $18,000 car + $72,783 mortgage ≈ $125,700 you could reach quickly.
- Debt-to-asset ratio
- = Total debts ÷ total assets
- $75,183 owed ÷ $318,478 owned = 0.24: about 24% of what you own is borrowed.
- Allocation share
- = One bucket's value ÷ everything you own
- $172,380 in homes ÷ $318,478 owned = 54%: under 60%, so the estate counts as well diversified.
Converted at recent exchange rates and crypto and gold prices. An estimate to help you see your own numbers, not financial advice.
More than a calculator
Your net worth, kept current by your real money
A calculator adds things up once. Ginkou keeps the estate true: balances follow your accounts, rates and prices refresh every day, and Sir Reginald reminds you when your home or car is due a fresh value.
Your estate
Rates and prices refreshed today · 2 values to update
Everyday account
From your bank statement
$7,400$7,400 Savings in Lisbon
Rate refreshed today
€22,000€22,000 $24,757$24,757 Index funds
Valued 12 days ago
$58,300$58,300 Bitcoin
Priced daily
₿0.20₿0.20 $16,904$16,904 Gold coins
Priced daily
5 oz5 oz $20,688$20,688 Flat in São Paulo
R$880,000R$880,000 $168,549$168,549 Car
$17,500$17,500 Mortgage
From your statement
−
R$365,000R$365,000 -$69,910-$69,910 Credit card
From your statement
−
$1,250$1,250
Net worth
Liquid
5 currencies
🏠 54% · 🚗 6% · 🌳 19% · 💎 5% · 🥇 7% · 💵 10%
Every currency, every day
Keep each account in its own currency: dollars, euros, reais, yen, Bitcoin or gold. Rates for 160+ currencies plus crypto and metals refresh daily, and your total shows in the one you choose.
Balances that follow your money
Import a bank statement or log a purchase in three taps, and your accounts and net worth move with it. Automatic bank connections are planned, starting with Open Finance in Brazil.
Honest valuations
You value your home and car. When a value is three months old, Sir Reginald asks for a fresh one, and the loan on it shows as equity: what you'd keep if you sold.
Allocation at a glance
Your wealth by type and by currency, side by side, and a quiet word when one bucket holds more than 60% of everything you own.
Milestones
From a first entry to a millionaire estate
Each milestone is a fact about your money: what you own, where it sits and what it adds up to. Ginkou marks each one as your estate reaches it.
The estate takes shape
3 thingsAdd three things you own, like a home, a car and an index fund. Your net worth stops being a guess and becomes a number.
A $180,000 home, an $18,000 car and $60,000 in funds: $258,000 on the books
Citizen of the world
3 currenciesHold three currencies, or assets priced in them. Your total stays honest when exchange rates move, because each part keeps its own.
$8,000 in checking, €20,000 in savings, 0.2 BTC: three currencies, one total
Well diversified
≤ 60%No single bucket holds more than 60% of what you own. One market having a bad year can't sink the whole estate.
A $172,000 home in a $318,000 estate: 54%, under the line
Six figures
$100kA net worth of $100,000, after every debt. The first hundred thousand is the slowest; growth starts doing more of the work after it.
$175,000 owned − $75,000 owed = $100,000
Half a million
$500kHalf a million dollars of net worth. At this size, how the estate is spread matters as much as what you add to it.
$500,000 net worth · 4% of it is $20,000 a year
Millionaire estate
$1MA net worth of a million dollars. Keep it diversified, keep valuations honest and keep costs low, and it looks after you.
$1,000,000 net worth: ten times the six-figure mark
3 things
The estate takes shape
Net worth milestones are counted in US dollars, converted from every currency you hold.
Your wealth counselor
Meet Sir Reginald. Butler to three generations of fortunes.
A discreet penguin butler who keeps the whole estate in view: net worth, allocation, currency exposure and valuations. He talks to you the way you choose.
Sir Reginald
Penguin“Your estate, impeccably kept.”
Butler to three generations of fortunes. Discreet, precise, and quietly delighted by a well-diversified portfolio.
How Sir Reginald talks to you
“”
- Watches your allocation and speaks up when one bucket passes 60% of the estate.
- Shows your currency exposure, so you know how much rides on the dollar, the euro or the real.
- Asks for a fresh value on your home and car every three months, and on investments monthly.
Questions
Net worth questions, honest answers
How do I calculate my net worth?
Add up everything you own and subtract everything you owe. What you own: bank accounts, savings, investments, retirement accounts, your home, car, crypto and gold. What you owe: your mortgage, car loan, credit cards and other loans. The result can be negative, and that's a perfectly good place to start.
What is liquid net worth?
Liquid net worth is the part of your net worth you could reach quickly: cash, savings, investments, crypto and gold, minus card debt. Ginkou leaves out your home, your car and the loans on them, because you can't pay for groceries with a kitchen.
Can I track my net worth across different currencies?
Yes. Each account keeps its own currency, whether it's a dollar checking account, euro savings, a home in reais, Bitcoin or gold in ounces, and your total shows in the currency you choose. Ginkou supports 160+ currencies plus crypto and metals, with rates refreshed daily.
What is a good debt-to-asset ratio?
There's no single right number, but lower means less of what you own is borrowed. Under 30% is comfortable for most households. A new mortgage can push it past 50% for a while; it falls as you pay the loan down.
What does well diversified mean?
In Ginkou, well diversified means no single bucket (homes, vehicles, investments, crypto, metals or cash) holds more than 60% of what you own. It's a simple rule of thumb to spot concentration, not a portfolio recommendation.
Should I include my home in my net worth?
Yes, at what it would sell for today, with the mortgage counted as a debt. Ginkou also shows your liquid net worth without the home, and reminds you to update its value every three months.
How often should I update my net worth?
Monthly is plenty for most people. In Ginkou your balances move as you import statements or log spending, crypto, gold and exchange rates refresh daily, and you're reminded to revalue your home and car every three months.
Is Ginkou free? Is this financial advice?
It's free, with no ads and no premium tier, and your data stays on your device unless you choose to sync it. It isn't financial advice: Sir Reginald helps you see your own numbers and build habits, but for big decisions talk to a licensed professional.
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Put the whole estate in one place.
Free, private, and your net worth is ready in under three minutes.