The Complete Guide to Multi-Currency Budgeting
Three methods for managing money across currencies, the home currency method, the local currency method, and the hybrid approach we recommend. Plus a tool comparison and step-by-step setup.
14 min readGuides
In-depth guides on managing money across currencies and borders. Practical advice for expats, digital nomads, and remote workers.
Expat Personal Finance: The Definitive Guide
Everything you need to manage money abroad, banking setup, tax obligations, budgeting across borders, exchange rate strategy, insurance, retirement planning, and investing as an expat.
16 min readFBAR maximum account value, explained
How to work out each foreign account's maximum value for the FBAR: the highest balance in its own currency, converted at the Treasury's 31 December rate and rounded up. Worked examples, joint and closed accounts.
7 min readFBAR exchange rates: the Treasury's year-end rates
The 31 December Treasury rates FinCEN asks you to use, for EUR, GBP, CAD, CHF, JPY and more, how to convert with them, and when the 2026 rates arrive.
5 min readWise, Revolut and the FBAR
Which Wise or Revolut company holds your account depends on where you live. What FinCEN's location test says, what the providers' own terms say, where the guidance is silent, and how to find the yearly maximum.
7 min readForeign pensions and the FBAR
The RRSP and AFORE examples, why the retirement exception covers US plans, FinCEN's refusal to exempt pensions as a class, foreign social security, and how Form 8938 treats a foreign pension.
7 min readFBAR figures for your expat clients
For tax preparers: what the free FBAR calculator gives your clients, the in-app FBAR report for subscribers (yearly maximum per account, Treasury year-end rates, a Form 114 CSV), and how to refer clients.
6 min read