Best Portfolio Tracker for Indonesia Investors

Track your international investments in IDR alongside every currency you hold — built for nomads and expats in Bali and across Indonesia.

Why tracking investments in Indonesia is different

Indonesia, and Bali in particular, has cemented its position as the world's most iconic digital nomad destination. Canggu, Ubud, and Seminyak draw tens of thousands of remote workers each year with their combination of tropical lifestyle, affordable living, fast internet, and a thriving coworking scene. The Indonesian government has recognized this trend, introducing the Second Home Visa and updated B211A provisions to make longer-term stays easier for foreign remote workers.

For the international investors and nomads who call Bali or Jakarta home, managing money across currencies is a daily reality. The Indonesian Rupiah is one of the highest-denomination currencies in the world, and its exchange rate against USD and EUR can move significantly over short periods. Most foreigners in Indonesia maintain their investment portfolios with international brokerages in USD, GBP, or EUR, since direct access to Indonesian capital markets for non-residents is limited. The result is a split financial life — earning and investing in one currency while spending in another — with no clear way to see the full picture.

FlashFi is a multi-currency portfolio tracker that bridges this gap. It lets you view your Interactive Brokers account, your Vanguard ISA, your crypto holdings, and your Indonesian savings all in one dashboard, converted to IDR, USD, or any of 30+ currencies in real time. Whether you are tracking your net worth from a villa in Canggu or an apartment in Jakarta, FlashFi shows you exactly where you stand.

Key challenges for Indonesia investors

IDR volatility creates constant uncertainty

The Indonesian Rupiah regularly fluctuates against major currencies, and the numbers themselves are large enough to be disorienting — a shift from 15,000 to 16,000 IDR per USD represents a nearly 7% change in purchasing power. For anyone holding investments in USD or EUR while paying rent, food, and transport in rupiah, these swings can materially change what your portfolio is worth in local terms from one month to the next.

Limited local investment access for foreigners

Indonesia's capital markets are largely restricted to residents with Indonesian tax identification numbers (NPWP) and local bank accounts. Platforms like Ajaib, Bibit, and Stockbit serve Indonesian citizens and residents, but most foreign nomads and expats cannot easily open accounts. This means the vast majority of international residents in Indonesia hold their investments entirely offshore, creating a disconnect between where they live and where their money is invested.

Spending in IDR while investing in USD or EUR

The typical digital nomad in Bali earns in USD or EUR, invests through an international brokerage in the same currencies, but pays for everything locally in rupiah. Understanding whether you can afford to stay, whether your savings rate is sustainable, and what your true net worth is in the currency you actually spend — these questions require real-time multi-currency tracking that most portfolio tools do not provide.

No unified view across international accounts

A nomad in Bali might hold a SIPP from the UK, an IRA from the US, a brokerage account with Interactive Brokers or Saxo, and some cash in an Indonesian bank. Each account lives on a different platform in a different currency. Building a complete financial picture means logging into multiple portals, manually converting currencies, and hoping the exchange rates you used are still accurate by the time you finish the spreadsheet.

How FlashFi helps Indonesia investors

IDR-Native Dashboard

See your entire global portfolio converted to Indonesian Rupiah in real time, or switch to USD, EUR, GBP, AUD, SGD, or any of 30+ supported currencies. FlashFi pulls live FX rates so you always know what your international investments are worth in the currency you spend.

Track Offshore and Local Accounts Together

Combine your Interactive Brokers portfolio, your home country pension, and your Indonesian bank savings into a single unified net worth view — no matter where each account is held or what currency it is denominated in.

No Account Linking Required

FlashFi does not use Plaid or any bank-linking integrations. Manual entry means it works with every brokerage worldwide — Saxo, Tiger Brokers, Interactive Brokers, Hargreaves Lansdown, or any other platform. No credentials to share, no connections to break.

Currency Impact Tracking

See exactly how IDR/USD and IDR/EUR movements affect the rupiah value of your foreign holdings. FlashFi separates real asset performance from FX impact so you know whether your portfolio moved because markets shifted or because the rupiah weakened against the dollar.

Frequently asked questions

Can I track my international brokerage in Indonesian Rupiah?

Yes. Set IDR as your base currency in FlashFi and every holding across all your accounts will be converted to rupiah using live exchange rates. You can switch between IDR, USD, EUR, and any other supported currency at any time.

Does FlashFi work for digital nomads in Bali?

FlashFi was built specifically for digital nomads and expats. It works from anywhere in the world, requires no local bank linking, and supports the multi-currency reality of life in Bali — tracking investments in USD or EUR while showing you their value in IDR.

Can I use FlashFi if I do not have an Indonesian brokerage account?

Absolutely. Most foreigners in Indonesia invest through international brokerages like Interactive Brokers, Saxo, or home country platforms. FlashFi tracks any brokerage account through manual entry, so it works regardless of where your investments are held.

How does IDR volatility affect my portfolio tracking?

FlashFi updates exchange rates daily and shows you exactly how IDR/USD and IDR/EUR movements affect the rupiah value of your portfolio. The currency impact feature separates genuine asset performance from exchange rate effects, so you always know what is driving your returns in local terms.

Will I owe Indonesian taxes on my foreign investments?

If you spend more than 183 days in Indonesia within a 12-month period, you may become a tax resident and technically owe Indonesian tax on worldwide income, including foreign investment gains. FlashFi is a portfolio tracker and not a tax advisor, but maintaining clear records of your holdings and their values across currencies is essential for accurate reporting.

By David Brougham