🐧 12 financial tools I can't live without

Save Up to 100+ Hours with Investment Tools, Tax Service, Property Calculator, & more
August 13, 2023

As an expat, you don’t need 1,000 personal finance tools.

You need the ones that actually work.

I have spent 50+ hours researching money tools that work for professionals living overseas.

Today in 10 minutes or less, you’ll learn:

  • 📊 Multi-currency net worth & expense trackers
  • 🏡 US expat tax service & SG property calculator
  • 🌱 3 cost-efficient brokerage and investment tools
  • 🛫 How to travel visa-free in APAC

FROM OUR PARTNERS

🙌 Discover the world this summer with Babbel (up to 55% off)

Learn a whole new language this summer. With Babbel, you'll get the confidence to talk to locals at any destination you visit.

Their expert linguists have designed lessons that focus on real-world conversations, so you're ready to connect with people wherever your travels take you. Sign up now and get 55% off.

12 financial tools I can’t live without

Here is a list of tools I personally have used or know others who have (includes affiliate links):

 Tracking Finances

Kubera

Price:

US$15/mo (DM for $100 off)

What is it:

Holistic tool that auto-tracks your family’s net worth across currencies and accounts, analyzes your portfolio, and plans future scenarios.

Lunch Money

Price:

US$10/mo (Use link for 1 month free)

What is it:

Simplifies expense tracking and budgeting with easy bank integrations across 17 countries, even including crypto accounts. I don’t use this avidly, but know expats who do.

Free Net Worth Tracker

Price:

Free

What is it:

Net worth tracking template designed for expats, like myself who have non-US accounts, multiple currencies and shared partner finances.

Free Net Worth Benchmark Calculator

Price:

Free

What is it:

Benchmarking tool that lets you find out your net worth percentile amongst Money Abroad subscribers in your age group - including expat professionals working at top companies like Meta, Google, Amazon, Stripe, and BCG.

Save & invest

Interactive Brokers

Price:

US$0 account min, 0.08% per trade

What is it:

My go-to international brokerage. Most brokers are tied to a local country, but IB allows you to keep your account open when you move, with very favorable low FX rates.

Stratosphere

Price:

Free (Paid: starts at US$19.99/mo)

What is it:

One-stop shop for all investor research, Stratosphere provides global equity coverage on 40,000 stocks and funds with 35 years of historical financials.

Portfolio Visualizer

Price:

Free (Paid: starts at US$19/mo)

What is it:

Comprehensive suite of portfolio analysis tools that helps you compare and analyze portfolios and investment products. I personally use the backtest asset allocation tool to compare portfolios.

Send money abroad

Wise

Price:

Starts at .43% per send

What is it:

Wise is an online money transfer app with low-fees and 50+ currencies.

Top tip: Use scheduled transfers to automate your cross-border investing.‍

 Travel visa-free

APEC Business Travel Card

Price:

What is it:

My favorite, lesser known life hack for business travellers to save 100’s of hours. The ABTC card (available in 19 countries) enables visa-free travel in APAC for up to 5 years, with designated express lanes at immigration.

Receive mail virtually

Stable

Price:

US$49/mo (Use link for 20% off)

What is it:

My US business mailbox. When you’re on the move, Stable offers a permanent business address for all your company documents and mail, and forwards any physical packages worldwide.

 File taxes

Greenback Expat Tax

Price:

Starts at US$485/filing

What is it:

One-stop shop online tax service for American expats. I used Greenback to file my 2020 & 2021 US tax returns with a positive experience.

Buy real estate

Singapore Residential Property Calculator

Price:

Free

What is it:

Created by solopreneur friend Michael Duyvesteijn, this Google sheet helps foreigners like myself research Singapore property. It breaks down P&L & Cashflow projections for 3 scenarios (Don't Buy, Buy & Occupy, Buy & Rent).

🌐 Beyond your borders

🇸🇬 HDB resale market may have peaked, stabilizing now (link)

🇯🇵 Japan is Asia’s most expensive location to send expats: avg of $370k package (link)

🇪🇺 15 European countries with the best healthcare for expats (link)

🇺🇸 Healthcare jobs drove 35% of US job gains in last 3 months (link)

🇺🇸 20% of cheapest US funds had inflows of $394B vs outflows of $734B for the rest (link)

🧑‍💻 Join 50,000+ founders and investors discovering new markets and ideas. TrendsVC is saving 2,000+ hours of market research with free 5-minute reports on AI and other trends. Get Started → (link)*

*this is a sponsored link

📆 How I can help

That’s all for today!

Whenever you’re ready, here’s how I can help you:

1. Side Hustle Crash Course (free) - Click here to receive my free, 5-day course teaching you the foundations of building a service-based side hustle.

2. Remote Side Hustle Launchpad - Join my cohort in Fall 2024 alongside high-performers. This is the system I used to earn over $100,000 from my side hustles taking 10 hours/week.

3. US expat tax service - Get personalized help on your tax returns from a US expat tax professional.

4. Promote yourself to 6,000+ high-performers by sponsoring my newsletter.

For daily insights, follow me on Linkedin and X (@dexteryz)

If you liked this post, you'll LOVE my newsletter

Every week, get a free alternative to financial independence in your inbox:

Dexter Zhuang

Dexter is the founder of Money Abroad, an online education platform helping high-performers design their independent money path. He has 10+ years of experience building products and teams at public companies (Dropbox) and scaling startups (Xendit) across the US, Asia, and Latin America. His work has been featured in global outlets like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

Continue reading

🐧 When I decided to quit my job & start my portfolio career
Career

🐧 When I decided to quit my job & start my portfolio career

INSIDE: Margin of Safety, 8-Question Readiness Checklist, 1-2 Rule, Case Study, Runway Calculator
🐧 My $100k Side Hustle Journey
Start a Business

🐧 My $100k Side Hustle Journey

INSIDE: 5 Side Hustles, Tea E-Commerce, Career Coaching, Product Consulting, & 4 Lessons Learned From Successes and Failures
🐧 Phantom Costs of Living Abroad
Save Money

🐧 Phantom Costs of Living Abroad

INSIDE: Rental Costs, Health/Travel Insurance, International School, Foreign Taxes, Lack of Retirement Schemes, FX, Etc.

Search

Enter keywords and click search.