Your accounts moved with you. Your pension stayed behind.
A net-worth tracker for expats should keep both in view. PopaDex brings manual and supported connected balances into a cross-currency picture, so you can review what you own and owe after a move.
Standard manual records in one consistent currency are free. Premium includes ongoing records across currencies and supported bank connections for €5/month on the web. Check the plan limits and your exact institution before paying.
Check the accounts that make your finances cross-border
Country coverage, currency support and a working account connection are different things. Start with an inventory of the actual accounts you want to track.
| What you still hold | What to record | What to verify |
|---|---|---|
| Home-country bank or brokerage | Current balance, original currency and statement date. | Does this particular account connect? If not, is updating it manually acceptable? |
| Local salary and savings accounts | Balances in their own currency; count transfers between your accounts once. | A deposit into one account may be money moved from another, not additional wealth. |
| Overseas pension | A supported balance or a manual valuation, with its source and date in your review notes. | Do not confuse a quoted future income with a current account balance. A banking connection does not guarantee pension coverage. |
| Property and mortgage | Full property value and the outstanding mortgage separately, or equity alone. | A prior estimate is not a fresh valuation. Do not subtract the mortgage twice. |
| Credit cards and other loans | The amount owed, in its original currency. | Confirm that debt reduces the total rather than appearing as a positive asset. |
| Joint assets | One consistent record for each shared asset. | Agree who maintains it. Sharing a record is different from adding a second copy of the same account. |
Use the institution directory as a starting point, then verify the connection itself. A directory listing does not guarantee account-type coverage, historical records or uninterrupted syncing.
Keep local account names, but use one balance-sheet method
A country label does not change the core review. Record each balance in its original currency, keep its statement or valuation date, and separate what you own from what you owe. Treat every account as manual until its exact institution and account type work in the connection flow.
| Records you may hold | What belongs in the review | Boundary to keep |
|---|---|---|
| Germany | Girokonto, Tagesgeld or Festgeld balances; a Depot or ETF record; property and mortgage recorded separately; pension values supported by a current statement. | Use manual entries unless the exact account is verified. The resulting balance sheet is not a Steuererklärung or a calculation of tax due. |
| Netherlands | Current and savings accounts; investment records; property and mortgage recorded separately; pensions supported by a current statement. | Keep a dated personal record. The tracker does not calculate Box 3, determine a filing position or replace an official return. |
| Norway | Current and savings accounts; investment and pension records; property and its loan recorded separately; overseas balances in their original currencies. | Use source statements and manual entries where needed. The tracker does not prepare a skattemelding or determine taxable values. |
| Spain | Spanish and overseas accounts; investments; property and mortgages recorded separately; pensions supported by a current statement. | The inventory is not a Modelo 720 assessment or filing. Confirm reporting duties and values using official records and qualified advice. |
| Sweden | Current and savings accounts; an ISK or other investment record; property and its loan recorded separately; occupational or private pension values supported by a current statement. | Keep the source and date for each value. The tracker does not prepare a declaration or determine local tax treatment. |
For the repeatable calculation, use the multi-currency monthly review. If you are still building the inventory, follow the multi-country setup guide.
Know why the total changed
Our fictional GBP/EUR household starts at EUR 150400 and ends the next review at EUR 150150. It has more UK cash, but a lower euro total because the illustrative exchange rate changed.
The complete worked review shows each balance, both rates, the mortgage and the arithmetic. It is the same example throughout the site, not a real customer story or a screenshot of the product demo.
- Record one current snapshot. Use a consistent review date and reporting currency. Keep original statement balances available for comparison.
- Explain differences. Check missing debts, old valuations and duplicate accounts before assuming a change is investment performance. Exchange rates can move the reporting-currency total without changing the original balance.
- Keep a dated reference. Retain your statements and review notes. If you need an exact historical conversion, do not assume every app chart locks the rate to the snapshot date.
- Repeat independently. Update or verify each relevant balance next month. A login or background sync alone does not mean the complete portfolio has been reviewed.
Use the first-account guide to get started. For financial-independence planning, the FIRE worksheet separates total net worth from the assets you choose to include in that calculation.
Check the household cost and the work that remains
Tracking on your own
Start free with manual records in one consistent currency. Premium is €5/month on the web for ongoing records across currencies and supported connections. You still review property estimates, unsupported pensions and other manual items. The UK tracking guide covers the home-country side if you keep UK accounts after a move.
Sharing with a partner
Both partners need Premium and enabled encrypted vaults for the couples-sharing workflow. At €5/month per person, that is €10/month total. Check permissions and joint-asset counting before sharing your full portfolio. Automatic duplicate detection and fractional ownership are not promised.
Keeping or replacing a spreadsheet
Keep Sheets if its formulas and your existing review routine suit you. If you try PopaDex, begin with current balances. The historical CSV importer has a fixed EUR-only asset format, rejects negative values and can replace records. It is not a full-workbook or multi-currency-history migration.
For a specialist alternative, read the Kubera comparison. If you are leaving a domestic budgeting app, the Monarch alternative guide for Europe separates that buying decision from a monthly balance-sheet review.
Keep the tracker separate from advice and official reporting
A consolidated balance sheet is not a tax return, foreign-account filing, certified valuation or investment recommendation. Preserve the original documents and use the reporting process appropriate to your situation.
Manual tracking is still an online service. Before entering private information, read PopaDex's encryption scope and limitations and current plan terms. No country-of-hosting or blanket zero-knowledge assurance is implied here.
Product guidance reviewed September 19, 2026. The numerical example is fictional. There is no claimed customer migration, tax outcome or saved time.
Questions before you choose
Can I track overseas accounts without connecting a bank?
Yes. You can enter balances manually. Standard supports free records in one consistent currency; ongoing updates across original currencies require Premium, even without bank connections. Premium also includes supported connections. You still need to review unsupported accounts and manual valuations.
Does support for a currency mean my bank is supported?
No. Displaying an amount in GBP, EUR or another supported currency is different from connecting an institution. Check the exact bank and account type. An overseas pension or property may need manual updates even when your current bank connects.
How much does tracking with a partner cost?
For PopaDex's couples-sharing workflow, both partners need Premium and enabled encrypted vaults. At the published web price of €5/month per person, two subscriptions total €10/month. Agree which records represent joint assets and check sharing permissions; do not assume automatic duplicate detection or ownership percentages.
Can I import my old spreadsheet with all its currencies?
Not as a complete workbook. The current monthly CSV importer uses a fixed EUR-only asset format, rejects negative amounts and can replace existing records. Keep your workbook and begin with a manual current snapshot. Historical migration needs a separately verified process.
Does PopaDex prepare my expat tax return?
No. A net-worth total is not a tax return, foreign-account filing or certified valuation. Keep the underlying statements and use the reporting process appropriate to your situation. PopaDex does not replace a qualified tax adviser.
Is the GBP/EUR example a real customer result?
No. It uses fictional balances and fixed illustrative exchange rates. It shows how a cross-currency balance sheet can be checked, not a customer outcome, investment return or screenshot of the product demo.
Try one review before moving everything
Start with one manual account, add the assets and debts relevant to your own picture, then compare the total with your records.
Prefer a file? Start with the spreadsheet guide. For the broader product overview, visit the net-worth tracker page.
Working while locations change?
The digital nomad net-worth workflow adds a portable annual record and clear boundaries around location and tax scenarios.