Multi-currency net worth calculator
Your wealth in rand and dollar, consolidated honestly — including how much of it rides on the exchange rate.
List your accounts in whatever currency they're held in. This calculator converts everything to one reporting currency at the closing exchange rate, shows where your wealth actually sits, and — the part most tools skip — tells you how much of your net worth is really exposed to a currency you don't spend in, measured by where the risk economically sits, not just where the account is priced.
Everything is computed in your browser; your numbers never leave this page.
A rand-priced offshore fund is not a rand asset.
How this is computed
One rate, one date, one honest number
A net-worth figure is a snapshot — a single point in time. So every asset and liability is converted to your reporting currency at the closing (spot) exchange rate as at your snapshot date, and the converted amounts are added up. That single-rate basis is the treatment used for monetary items and fair-valued assets under IAS 21, the international standard for foreign-currency reporting, and it is the right, defensible basis for a personal net-worth measure. A mid-period contribution or a dated flow would be converted at its own transaction-date rate — but a snapshot is a stock, not a flow, so the closing rate is unambiguously correct.
The rates used are mid-market reference rates. They are the fair basis for valuation, but they are not the rate you would actually transact at — a real conversion costs you roughly the spread plus any retail markup. So treat the figure as a valuation, not a price you could realise on the spot.
Currency exposure: where the risk really sits
This is the part most net-worth tools get wrong, or skip. The currency an asset is priced in tells you almost nothing about its currency risk. A JSE-listed S&P 500 feeder fund trades in rand, but its value is driven by US shares priced in dollars — so for a rand investor it carries dollar risk, not zero. The issuer's own figures make this concrete.
THE SATRIX EXAMPLE
Over one stretch (Oct 2017 to Feb 2018), the S&P 500 returned +7.60% in dollars. But the rand strengthened from R13.67 to R11.62 per dollar — and the rand-priced feeder fund returned −8.54% in rand, exactly tracking the dollar index translated back to rand. A “rand” fund delivered a dollar-driven loss.
Denomination said zero foreign exposure; the truth was almost entirely foreign.
So this calculator buckets each asset by its economic (look-through) currency where you tell it the type — an offshore feeder counts as dollar exposure — and reports the share of your wealth riding on a currency you don't spend in. It is an estimate, not a precise measurement: look-through for equities is approximate, and the figure is only as current as the type you choose. But it is far closer to the truth than counting a rand-priced offshore fund as a rand asset.
Common questions
After reading this section, if you still have questions, feel free to contact us however you want.
How do I calculate net worth across multiple currencies?
Enter each account in its own currency, then convert every asset and liability to one reporting currency at the closing spot rate as at your snapshot date, and total them. That closing-rate snapshot is the IAS 21 basis for monetary and fair-valued items, and the right basis for a point-in-time net-worth figure.
Why isn't my currency exposure just the currencies my accounts are in?
Because exposure is driven by the underlying economic currency, not the pricing currency. A rand-priced S&P 500 feeder carries dollar risk; a rand-denominated multinational fund can carry substantial foreign risk through its companies' overseas earnings. Look-through to the economic currency is the honest measure, even though it is an approximation.
Is the exchange rate I see the rate I'd actually get?
No. These are mid-market reference rates, used for valuation. A real conversion would cost you the spread plus any retail markup, so your realisable figure is a little lower. The mid rate is the neutral, consistent basis for measuring what your wealth is worth — not a quote.
Do my numbers leave my computer?
No. Every calculation runs in your browser. Nothing is uploaded, stored, or sent to a server — which also keeps it clean under POPIA.
Who built this
Rian Cronje comes to personal finance from the outside. After 25 years in corporate finance — Group Financial Controller roles, multi-currency consolidations and digital transformation, the unglamorous rigour of making a business's accounts actually reconcile — he found almost none of that discipline had reached the way individuals track their own wealth. He is not an advisor; he has nothing to sell you about where to put your money. He built Mintelo to close that gap: to hold a person's wealth to the standard a company holds its own books, and to break down the jargon that keeps capable people — him once included — locked out of their own numbers.
The methods shown here are standard, textbook financial calculations — implemented faithfully, with every intermediate figure shown so you can check the result yourself. This is an educational tool, not financial advice. Mintelo is a wealth-tracking product in development — join the waitlist to track your wealth across every account automatically.
See your real net worth across every account — in rand or dollar.
One reconciled view, the same number whichever way it's checked. Mintelo is the personal wealth platform built like a real one.