For anyone whose money lives in more than one country

Earn in one currency. Save in another.

Most personal finance apps assume your whole life happens in one currency. If you are working abroad, supporting family at home, or saving into a country you plan to return to, that assumption breaks on day one, and it breaks quietly.

~165 currenciesHistory frozen by dateMove country, switch back

One person, three currencies

Earning in

AED 18,000 / month

Pegged to the dollar. Barely moves.

Saving towards

₹ 68,00,000

A house priced in rupees. Kept in rupees.

Supporting

£ 450 / month

A student in the UK. A third currency again.

Three units, one net worth figure, and a history that does not rewrite itself.

The quiet breakage

Four things that go wrong in a single-currency app

  • Your history rewrites itself. An app that converts everything at today's rate makes last March's spending change every morning. You did not spend differently; the market moved. NetWorth+ stamps each transaction with the rate in force on its own date, so what something cost stays what it cost.
  • Your savings target moves for no reason. A house priced in rupees converted into dirhams is a number that drifts daily and has nothing to do with how much you saved. A goal here keeps the currency of the thing it is for.
  • Your budget silently loosens. Set a 5,000 limit while reporting in dirhams, switch to dollars, and a naive app hands you a near-fourfold increase, applied silently, to the one figure whose entire purpose is to be a limit. A ceiling here is pinned to the currency you set it in.
  • A transfer lands wrong at both ends. The rate your bank or exchange house actually gave you, after spread and fees, is on your receipt and nowhere else. Deriving it from a published mid-market rate leaves both balances wrong forever, in a way nothing later can reconcile.

Transfer home

SENT

AED 5,000.00

ARRIVED: ASKED FOR, NOT COMPUTED

₹ 1,13,250.00

Pre-filled from today's rate. Edit it to match your receipt.

Effective rate 1 AED = 22.6500 INR

Both balances are then right by construction: the money that left, and the money that landed.

Moving country

Change everything, and change it back

Switching your reporting currency is a recomputation, not a migration, which is exactly why it is reversible.

1

It re-derives, not re-converts

Every foreign row is re-priced from the rate on that row's own date, rather than taking today's converted figure and running a second conversion over it. Composing conversions is what accumulates drift.

2

So it is reversible

AED to USD and back to AED lands on exactly the original figures. It sits behind a confirmation because it rewrites your whole ledger, not because anything is lost.

3

It reports what it did

How many rows converted, and how many could not. “Done” and “done except for eleven days” look identical otherwise, and the second is yours to know.

4

It names its one approximation first

Charted snapshots are bare totals with no breakdown, so converting them is exact only if that month was entirely in the old currency. You are told before you confirm, not after.

The rest of expat life

Things that only matter when you have moved

Splitting across currencies

Share costs with flatmates or family in another country. The group settles in one currency; what left your own account is worked out separately, because two people paying the same bill from accounts in two currencies genuinely spent two different amounts.

A card used abroad

A foreign charge is imported and flagged with a warning badge rather than booked at face value. The amount in an alert is a bare number, and approving “USD 45.20” into a dirham ledger would record 45.20 dirhams.

A property you do not live in

Track a mortgage or instalment plan denominated in another currency, funded from an account in a third. Scheduled cross-currency instalments are skipped rather than approximated, because a generated bill for the wrong amount looks authoritative and is worse than no bill.

Entered on the plane

Rates are mirrored rather than fetched live from your device, and reads serve from cache, so an offline entry still gets stamped.

A symbol you can read

Override the display symbol for any currency, because the canonical glyph is not always the legible one, and ﷼ is correct for four different rials.

No bank anywhere gets a login

NetWorth+ never connects to a bank in any country and never asks for a card number, PIN or password. Nothing to grant, nothing to revoke, nothing to lose.

Questions

Good to know

Can NetWorth+ send money home?
No, and this is worth being clear about. NetWorth+ does not move, hold or transfer money. It is not a remittance service, an exchange house, a payment provider or a bank, and it is not licensed or regulated as a financial institution anywhere. What it does is record the transfer you made through someone else, and it records what actually arrived rather than what a published rate says should have, so both balances are right.
Which currency should I report in?
Usually the one you are paid in and spend day to day, since that is the unit most of your decisions are made in. It is not a permanent choice: switching is reversible with no drift, so you can change it when you move and change it back if you move again.
What if there is no exchange rate for something?
That balance is excluded from your total and the currency is named, rather than folded in at a guessed rate. Where old rows are missing a rate, you are shown how many and offered a one-tap backfill, and the prompt disappears entirely when there is nothing to fix, because a permanent “0 need attention” is a permanent invitation to worry.
Does it handle tax in two countries?
No. NetWorth+ does not compute tax, does not produce tax statements, and gives no tax, legal or financial advice. Cross-border tax is genuinely complicated and worth a qualified professional. What the app can do is show you what you hold and where, which is the input to that conversation rather than a substitute for it.

Bank names on this page are examples only. They illustrate the alert formats NetWorth+ is able to read. NetWorth+ is not affiliated with, endorsed by, sponsored by or connected to any bank, card issuer, exchange house or financial institution, and no partnership is implied. NetWorth+ does not connect to any bank, does not move, hold or transfer money, and is not a remittance service, a payment provider, a bank or a lender. It is not licensed or regulated as a financial institution in any jurisdiction, and it does not provide financial, tax, zakat, legal or investment advice. Figures may be incomplete; always check your official bank statements. For ages 18 and over.

Other regions

Where else this fits

United Arab Emirates

Dhs and AED alerts, salary here, savings home

Read more

Saudi Arabia

SR and SAR alerts, riyal pegged, family abroad

Read more

Qatar, Kuwait & more

Three-decimal dinars read correctly

Read more

Out now on Google Play and the App Store

NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.

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