Net Worth Tracker for European Investors: See All Your Wealth in One Dashboard

Most investors can tell you roughly how much they have in a single broker account.

Far fewer can tell you, with confidence, what their total net worth is today – across banks, brokers, cash, and long-term investments.

If you're a European investor using multiple brokers (DEGIRO, Trade Republic, IBKR) plus one or more bank accounts, keeping track of everything quickly becomes a spreadsheet nightmare.

In this guide, we'll walk through:

• What "net worth" really means for investors
• Why European investors have it harder than US-based ones
• The problems with traditional spreadsheets
• What a modern net worth tracker should look like
• How Arfin can help you see everything in one clear view

What does "net worth" really mean?

Your net worth is simply:

Everything you own – everything you owe

For investors, that usually includes:

• Bank accounts and cash
• Brokerage accounts (DEGIRO, Trade Republic, IBKR, etc.)
• ETFs, stocks, bonds and funds
• Pension accounts (depending on your country)
• Cash savings, emergency funds, short-term deposits
• Loans and liabilities (mortgages, consumer loans, credit cards)

Most broker apps only show you one slice of this picture: the value of the assets you hold with them. They don't know about your other accounts.

A proper net worth tracker pulls all of those pieces together.

Why this is harder for European investors

If you're based in Europe, chances are you:

• Use multiple brokers (e.g. DEGIRO for ETFs, Trade Republic for DCA, maybe a local bank for funds)
• Hold cash in several bank accounts (current account, savings account, "tax" account)
• Invest or hold cash in different currencies (EUR, USD, CHF, GBP)
• Have country-specific rules around pensions and tax wrappers

US-focused tools often assume "one broker + one bank + one currency". That's far from reality for most European investors.

Why spreadsheets stop working

At some point, almost everyone starts in Excel or Google Sheets:

• One tab per account
• Manual copy-paste of balances
• A few charts if you're motivated

This works for a while – until it doesn't.

Common problems:

• Manual updates: every new trade or deposit requires editing a sheet
• Human error: copy-paste mistakes, forgotten formulas, broken references
• No real-time prices: you need add-ons or manual price updates
• Hard to get the full picture: charts quickly become messy or outdated
• No consistent currency view: mixing EUR, USD, GBP and CHF is painful

Spreadsheets are a great starting point, but they're not designed as a live net worth dashboard.

What a modern net worth tracker should do

A serious net worth tracker for European investors should:

1. Connect multiple brokers and banks

   • Import positions via CSV from the main brokers you use
   • Connect bank accounts via secure APIs (for balances and transactions)
   • Allow manual accounts for anything else (pensions, real estate, etc.)

2. Support multiple currencies

   • Track holdings in their original currencies
   • Convert them into a single base currency (e.g. EUR)
   • Use reliable, up-to-date FX rates

3. Show your total wealth at a glance

   • Simple, clear net worth number
   • Breakdown by account, asset class, or currency
   • Historical chart so you can see how your wealth evolves over time

4. Handle performance properly

   • Separate performance from contributions
   • Use time-weighted returns to show how your investments actually perform
   • Factor in dividends and other cash flows

5. Respect privacy and security

   • Data hosted in the EU
   • Read-only access to bank accounts and brokers
   • Your data doesn't get sold to third parties
   • Easy export and deletion

How Arfin fits into this

Arfin is being built as a net worth and portfolio tracker designed specifically for European investors.

The idea is simple:

• Connect your banks and brokers
• Pull everything into one clean dashboard
• Give you a reliable net worth number and a clear view of your investments
• Help you track your progress towards goals like financial independence (FIRE)

Instead of relying on spreadsheets and half-updated screenshots, you get:

• A global wealth overview
• EUR and USD support
• Analytics built for long-term investors, not day traders

Why this matters for long-term goals

Without a clear net worth view, it's hard to answer questions like:

• Am I actually moving closer to financial independence?
• Is my net worth growing after inflation and currency effects?
• How much of my wealth is sitting in cash vs working in the market?
• What happens if I increase my monthly investments by €200?

A good net worth tracker won't make decisions for you – but it gives you the real numbers you need to make better decisions.

Next steps

If you're tired of juggling multiple broker apps and spreadsheets, now is the right moment to centralise your finances.

Arfin is currently in development with early access planned for beta users. You can join the waitlist to:

• Be among the first to try the net worth dashboard
• Help shape the product with your feedback
• Get access to an exclusive launch discount

Your entire wealth. One platform. Built for how Europeans actually invest.