One net worth number across brokers, exchanges and wallets

The problem

A typical investor today has a broker for stocks and ETFs, maybe a second broker for a pension or a different market, an exchange or two for crypto, a hardware wallet, and some stablecoins parked somewhere earning yield. Four to six places, two or three currencies. Each app shows its own slice; none shows the whole.

The usual answers are a cloud aggregator (hand over credentials, get a dashboard) or a spreadsheet (do it all yourself, on a laptop). The middle path is a local ledger with custody tracking and multi-currency built in.

Step by step

1. Name your custodians

Nudge Invest tracks where each transaction happened as a custody: a broker, an exchange, or a wallet, with a label (“IBKR”, “Kraken”, “Ledger”). Decide on your labels up front and reuse them exactly — that's what makes the allocation-by-place view meaningful.

2. Add each asset in its own currency

A EUR-denominated ETF is added in EUR; a US stock in USD; BTC in USD or EUR depending on how you bought it. Never convert by hand when entering. Enter what the statement says, in the currency the statement uses.

3. Build the exchange-rate table

Pick a display currency for the portfolio total. Enter one rate for each other currency you hold against it. Nudge stores one row per pair, uses the inverse automatically, and marks rates older than 30 days as stale so you know when the total is approximate. With the optional AI coach you can ask for a refresh from a live source and approve the new rates.

4. Import the history

Every broker and exchange exports transactions as CSV. Nudge's CSV import takes one file at a time, shows a duplicate-aware preview (rows matching an existing transaction on date, asset, type, quantity and price are flagged, not silently added), and only writes what you confirm. Export from Nudge once first — the header row of that file is the exact format to match. For messy statements, the AI coach can read a PDF, Excel file or screenshot and propose rows.

5. Read the result

• Net worth in your display currency, across everything.
• Allocation by asset type — stocks vs funds vs crypto vs stablecoins.
• Allocation by place — how much sits at each custodian. If one exchange holds 40% of your net worth, this is where you find out.
• Per-asset metrics consolidated across custodians, with the split still visible.

Mistakes that make the number wrong

• Inconsistent custody labels (“Kraken” and “kraken”) split one venue into two.
• Converting at entry. You lose the original amount and can never re-convert at a better rate.
• Forgetting the stablecoins. They're cash. Leaving them out understates net worth and misstates allocation.
• Re-importing without dedup. The classic spreadsheet failure: the same quarter imported twice. Nudge's preview exists for this.
• Trusting one FX feed blindly. If the number matters, know what rate produced it. That's why Nudge lets you own the table.