🐧 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

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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)*

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👉️ How I can help

That’s a wrap for this edition!

If you’d like to keep it going, here’s 2 ways for us to work together:

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Dexter Zhuang

Dexter is the founder of Money Abroad, a website and newsletter on building wealth for global professionals. Over the last 10 years, he's been a product leader, product manager, consultant and coach at companies like Dropbox, Xendit, and growth-stage startups across the US, Asia Pacific, and Latin America. His work has been featured in global publications like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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