Track. Plan. Grow.
Bring order to your global wealth.
Can your family afford the life it's planning, in the countries it actually lives in? Every account, property and pension, in every currency, as one balance sheet you can project fifty years out.
Free to start. No credit card. A bank login is never required.
Which of these questions is yours?
Four people, four stages of a financial life — cross-border families and the person who just wants it simple. Choose one, choose their question, and see where Hy-Worth develops the answer.
Born in France, based in London after fifteen years abroad. Two careers, three young kids. Marc runs the family finances like a CFO: earning in pounds, thinking in euros, with pensions in two systems.
Where the answer is developed
Financial Planner
Compare “Quit our jobs” and “Slow down” against the current plan, and see what trading income for time really costs.
Did you get wealthier, or did the currency just move?
First, Hy-Worth combines everything, everywhere: every account, property and pension held in its own currency, across banks, brokers and borders, rolled into the one currency you think in, at a visible rate with a visible date.
Then it answers the question no single bank can: every month's change is separated into what you actually built versus what the currencies did.
Most trackers stop at the first number. Hy-Worth is built around the difference.
- Your net worth shows the rate behind it — the rate, its source and its date, not just the result.
- A missing exchange rate shows as missing. We never invent a 1:1 rate to make a total look complete.
- Each month converts at that month's rates. Your history doesn't rewrite itself because today's rate moved.
- One month's change
- +34,540 EUR
- What Marc actually built
- +26,984 EUR
- What the currencies added
- +7,556 EUR
A real month from Marc's reconciliation, shown on the right.
A living plan, not an annual spreadsheet dig.
- 01
A monthly balance update
Ten minutes, every account, every currency. Reminders keep the rhythm.
- 02
A recap that explains the month
What changed and why: savings, markets or currency.
- 03
An annual plan review
The 50-year projection, revisited with a year of real data behind it.
- 04
Re-run at every life event
A move, a child, a buyout offer, a parent passing. The plan absorbs it.
What Hy-Worth believes
Balances over budgets
We don't ask where every coffee went. We ask what you're worth and whether it's growing.
Life questions before features
The tool exists to answer the questions your family actually asks.
Real growth, not currency noise
If the franc moved, we say so. Never mistake translation for wealth.
Risk discussed together
A family's risk profile should be discussed together, not generated silently by an algorithm.
Your data is yours
Separate from banks. Never used to upsell you. Revenue is the subscription, full stop.
From a paper route to Hy-Worth.
A winding path through earning, banking, immigration, family, global business and institutional responsibility, each chapter adding a lesson that now lives inside Hy-Worth.
Age 10: the paper route
Showing up, earning and saving taught me that discipline turns today's work into tomorrow's choices.
Winnipeg: the floating bank teller
Working across affluent and lower-income neighbourhoods showed me how people with the least financial buffer often paid the highest banking costs.
Age 20: the first move abroad
A second country meant another bank account, another currency and the beginning of a financial life no single institution could see.
Six countries in fifteen years
Immigration, marriage, three children born in different countries, pensions in two systems, an LLC and property bought and sold, each reasonable decision part of a much larger system.
Institutional responsibility
Managing complex multinational businesses across the world and a pension fund with more than CHF 300 million in assets taught me the discipline of visible risk, governance and financial plans that stay alive. It is the same discipline it takes to run a complex family and its finances as the family CFO.
Today: Hy-Worth
Everything learned personally and professionally, combined into one financial home for internationally mobile families.
Age 10: the paper route
Showing up, earning and saving taught me that discipline turns today's work into tomorrow's choices.
Winnipeg: the floating bank teller
Working across affluent and lower-income neighbourhoods showed me how people with the least financial buffer often paid the highest banking costs.
Age 20: the first move abroad
A second country meant another bank account, another currency and the beginning of a financial life no single institution could see.
Six countries in fifteen years
Immigration, marriage, three children born in different countries, pensions in two systems, an LLC and property bought and sold, each reasonable decision part of a much larger system.
Institutional responsibility
Managing complex multinational businesses across the world and a pension fund with more than CHF 300 million in assets taught me the discipline of visible risk, governance and financial plans that stay alive. It is the same discipline it takes to run a complex family and its finances as the family CFO.
Today: Hy-Worth
Everything learned personally and professionally, combined into one financial home for internationally mobile families.
Darius Hyworon · Founder, Hy-Worth
The name carries the family name, Hyworon, and the promise: know what you're actually worth.
Free vs Pro — what you get
Track everything, in every currency, free forever. Upgrade to Pro to plan decades ahead and cover every asset class.
Free
Track your net worth in any currency.
- Unlimited currencies, converted daily — no upgrade needed
- Dashboard with NW snapshot + history
- Up to 10 accounts
- Monthly balance entry
- Basic charts (NW, category breakdown)
- Budget tracking
- JSON data export
- AI assistant and rule-based insight cards
Pro
Plan the next fifty years, not just this month.
Hover a Pro feature to see it in action
50-year planner with Monte Carlo + scenarios
Project your net worth 50 years out, with scenarios and Monte Carlo.
Track · Plan · Grow
Bring order to your global wealth.
Free to start. No credit card required.