Managing your finances as an overseas professional can be challenging, but with the right tools, it becomes a breeze.
In recent years, the number of fintech tools have exploded, with hundreds of them claiming to enable you to manage your finances in one place.
Out of these tools, only a few are worth paying attention to. Many fail to track multiple currencies or don’t integrate into your local bank and brokerage accounts.
Here, we have curated a list of the best net worth tracker apps specifically tailored for global citizens like you.
📢 Disclaimer: Content may contain affiliate links or sponsored content — I will never work with a brand that I don't personally use or believe in.
Kubera auto-tracks your family’s net worth across currencies and accounts, analyzes your portfolio, and plans future scenarios. My wife and I use this tool as part of our monthly money review.
Kubera synchronizes various asset types, from traditional to crypto, across global banks and currencies. It automatically syncs financial accounts like banks, credit cards, and investments, providing real-time net worth updates.
Simplifies expense tracking and budgeting with easy bank integrations across 17 countries, even including crypto accounts.
Net worth is your #1 barometer of long-term financial health. You can think of it like a personal balance sheet.
If you're planning big financial moves (not only physical ones) as an expat, you're not alone. Perhaps it's making new investments or increasing savings. Maybe this year is when you finally create new income streams with side hustles.
Whatever your money goals are, the first step is getting a clear, complete picture of your financial health — net worth, income, and expenses.
Many expats struggle to manage their finances across multiple currencies and accounts. Most online tools sucks when it comes to tracking your money in a foreign country.
That's why we list tools here that are specifically designed for expats, digital nomads, and global professionals.
Here are a few of the principles I live by when it comes to money management:
Here are the different components of your financial health:
Track your progress towards longer-term financial goals by regularly assessing your net worth. For example, your early retirement goal (investment returns covers your expenses).
You can use net worth to help identify gaps in your financial strategy and take action to bridge them.
Pro-tips:
Regularly review your income and expenses to gauge short-term progress. It’s like your personal cash flow statement.
Answer more immediate questions like "What did we spend our money on last month?" and "Our savings rate is X. How do we increase it to Y?"
Pro-tips:
Use these tools to track your net worth, which is your best indicator of long-term financial health.
Make sure you're keeping in mind money management principles like living outside of the spreadsheet, applying the 80/20 rule, and tracking your money holistically (as a couple).
Keep a full view of your net worth, income, and expenses.
