Powerful Features for Smart Investors
The calculators, the articles, the beginner's guide and the glossary are free and need no account. The multi-currency net worth tracker is open too. It is free to try with an account, and its free plan is in beta.
Open now, free in beta
Multi-Currency Net Worth Tracker
The tracker keeps your net worth in one place: your assets, your debts, your income and your expenses. Each asset and each debt keeps its own currency, and the tracker converts them all into one base currency that you choose, so the total still makes sense when your money sits in more than one country. A chart shows how your net worth changes over time. It also follows stocks, crypto and dividends, and its AI can read a broker statement that you import as a PDF or CSV file. You can create a free account today. The free plan is in beta, so you may meet the occasional error.
What it does today:
One base currency for every holding, whatever it is denominated in
Your assets, debts, income and expenses in one place
A chart of your net worth over time
Free Investment Calculators
The calculators are free and open to everyone. They cover the ground a private investor actually walks: compound interest and regular saving, the Graham Number and margin of safety, WACC and present value, dividend income, position sizing, debt payoff and the FIRE targets. Each one recalculates as you type and shows the working rather than only the answer, and none of them asks you for an account, an email or a trial.
Open the calculators
A Beginner's Guide and a Plain Language Glossary
The beginner's guide starts at what a share actually is and works through risk, diversification and compound growth without assuming you already know the vocabulary. When a term turns up that you have not met, the glossary gives it its own page in the same plain words, and where a calculator exists for that idea the entry links straight to it, so you can try the term out with your own numbers.
Start with the beginner's guide
Articles That Take the Long Way Round
The blog handles the questions that will not fit inside a calculator: how to tell whether a share is genuinely cheap or has merely fallen, what Benjamin Graham actually argued and what he did not, how to spread a portfolio across several countries without losing track of it, and how to work out your net worth when it is denominated in four currencies at once. Worthmap publishes in five languages, so every page has an English, Italian, French, Chinese and German address of its own.
Read the articles
Currency Tools for Money Held Abroad
When your salary, your mortgage and your investments are denominated in three different currencies, the exchange rate is part of your return whether you watch it or not. The currency exposure tool shows how much of a portfolio really sits in each currency once you look through the holdings, the FX impact calculator separates what the market gave you from what the exchange rate took back, and a run of articles covers the same ground at greater length.
Try the currency exposure toolBuilt for the Investor Whose Money Crosses Borders
Worthmap is written for people whose finances do not sit inside one country or one currency.
That shows up first in the free material: calculators that let you pick the currency you actually think in, articles about holding assets in several markets at once, and a glossary that explains the vocabulary those articles use. The net worth tracker then pulls your money into one balance, in a base currency you choose. It is free to try, and its free plan is in beta.
01
Learn the Vocabulary Before You Need It
Financial writing hides a great deal behind words it never stops to define. The glossary gives each of those terms a page of its own in ordinary language, and where a live calculator exists for the idea, the entry links to it so you can put a number through it straight away. The beginner's guide runs alongside, covering what a share is, why diversification matters and how compound growth behaves over decades.
02
Currency Tools, Not Guesswork
The currency exposure tool takes a portfolio and shows what share of it is genuinely denominated in each currency, which is rarely the answer people expect. The FX impact calculator then splits a period's return into the part the asset earned and the part the exchange rate moved. Both are free, both run in your own browser, and neither asks you to register.
03
Useful If You Live in More Than One Country
Expats and long-stay travellers carry a complication that domestic-only tools ignore: income in one currency, a mortgage in another, investments in a third. The FX impact calculator is built for exactly that split. The tax residency day counter keeps a running tally for anyone watching a 183-day rule, and the visa day counter does the same job for the Schengen 90-in-180 limit and a number of other visa rules.
04
Free Investment Calculators, All in One Place
The financial tools suite covers the full investment decision cycle: WACC calculator for corporate valuation, systematic investment plan calculator for SIP projections, compound interest calculator for long-term growth modeling, portfolio rebalancing calculator to maintain target allocations, and margin of safety calculator to validate entry prices. All tools are free and require no account.
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Tools and Learning, Open to Everyone
Calculators, articles, and guides are completely free. No signup, no paywall, no friction.
Free Investment Calculators
Model the scenario you are actually facing: compound interest over decades, a monthly investment plan, the Graham Number and margin of safety on a share you are weighing up, WACC and discounted present value, dividend income, position size, the order in which to pay off debts, and the FIRE targets. Every one of them is free, permanently, and none of them asks you to register.
Explore All Financial ToolsFinancial Blog & In-Depth Guides
The blog covers the questions that will not fit inside a calculator: how to build a multi-currency portfolio, how to work out your net worth when it is denominated in four currencies at once, what Benjamin Graham actually argued, how sector rotation is normally described, and how asset allocation gets decided. Every article is published in English, Italian, French, Chinese and German.
Read the BlogInvesting Education for Beginners
New to investing? Our structured learning guides cover the fundamentals - from understanding what a stock is to building your first diversified portfolio. Learn about asset allocation, risk management, compound growth, and financial planning at your own pace.
Start LearningUse the Free Tools, Then Try the Tracker for Free
The calculators, the articles, the beginner's guide and the glossary are free and need no account. The multi-currency net worth tracker is open now. Create a free account to try it. Its free plan is in beta, so you may meet the occasional error.
Currencies the FX tools work in
5
languages
$0
to use the free tools
14
currencies in the FX tools
Frequently Asked Questions
The calculators, the articles, the beginner's guide and the glossary. They are free and need no account. The multi-currency net worth tracker is open too. It needs a free account, and its free plan is in beta.
Yes. The tracker is open, and you can create a free account today. The free plan is in beta, so you may meet the occasional error while we keep improving it.
No. They are free and they ask for no account. Each one works its answer out in your own browser as you type, so there is nothing to submit and nothing to wait for.
Five: English, Italian, French, Chinese and German. Every page has its own address in each language, so you can link to the version you need.
No. The calculators do arithmetic on the numbers you give them, and the articles explain how that arithmetic is normally used. Neither one knows your circumstances, and nothing on the site is a recommendation to buy or sell anything.