Best Portfolio Tracker for United States Investors

One dashboard for every account, every currency, every brokerage — built for Americans who invest globally.

Why tracking investments in United States is different

The United States has the deepest brokerage ecosystem in the world, with dozens of platforms competing for retail investors. But that ecosystem was built for domestic investing. The moment a US investor holds assets at an international brokerage, owns foreign-domiciled ETFs, or moves abroad as an expat, the standard tools fall apart. Platforms like Empower and Mint assume a single-currency, US-only world.

US persons face some of the most complex cross-border tax rules of any nationality. Holding a non-US domiciled ETF triggers punitive PFIC taxation. Foreign accounts over $10,000 require annual FBAR filings with FinCEN, and FATCA adds another layer of reporting obligations. Tracking investments scattered across a 401(k), a Roth IRA, a taxable Schwab account, and an Interactive Brokers international account is a spreadsheet nightmare — especially when multiple currencies are involved.

FlashFi is a multi-currency portfolio tracker purpose-built for this problem. It gives US investors a single unified view across every account and every currency, with real-time foreign exchange rates and net worth tracking in USD or any other base currency. No bank linking, no data sharing — just a clean, private dashboard that works whether you are in New York or Chiang Mai.

Key challenges for United States investors

PFIC tax trap for international ETFs

US persons who hold non-US domiciled ETFs — such as those listed on the London Stock Exchange or Euronext — face the Passive Foreign Investment Company (PFIC) regime. PFIC taxation can result in punitive rates and complex annual reporting on Form 8621. Knowing exactly which holdings in your portfolio are PFIC-exposed is critical for tax planning, and a unified tracker makes that visibility possible.

FBAR and FATCA reporting requirements

Any US person with foreign financial accounts exceeding $10,000 in aggregate at any point during the year must file an FBAR (FinCEN 114). FATCA adds further reporting via Form 8938 for higher thresholds. Failing to file carries penalties starting at $10,000 per violation, making it essential to have a clear, up-to-date view of all foreign account balances throughout the year.

Multi-brokerage fragmentation

A typical US investor might have a 401(k) with their employer's provider, a Roth IRA at Fidelity, a taxable account at Schwab, and a foreign brokerage account opened while living abroad. Each platform has its own dashboard, its own reporting format, and no awareness of the others. Getting a true net worth figure requires manually consolidating data across all of them.

Currency exposure tracking

US investors with international holdings are exposed to foreign exchange risk whether they realize it or not. A European stock fund denominated in EUR can lose value in USD terms even when the underlying shares rise, purely due to currency movement. Understanding your actual FX exposure across your entire portfolio is essential for informed decision-making.

How FlashFi helps United States investors

Multi-Currency Dashboard

See your entire portfolio converted to USD in real time, or switch your base currency to any of 30+ supported currencies. FlashFi pulls live FX rates so you always know the true USD value of your international holdings.

Unified Net Worth View

Track your 401(k), IRA, taxable brokerage accounts, international accounts, crypto, and cash holdings in a single dashboard. One number, fully up to date, across every account you own.

No Account Linking Required

FlashFi uses manual portfolio tracking, which means you never hand over bank credentials or grant API access to your brokerage. This works with every brokerage worldwide, including those that do not support Plaid or other aggregators.

Real-Time FX Rates

Live foreign exchange rates show you the actual currency impact on your international holdings. See exactly how much of your return comes from asset performance versus FX movement.

Frequently asked questions

Can I track my 401(k) and IRA in FlashFi?

Yes. You can add your 401(k), traditional IRA, Roth IRA, and any other retirement account as a portfolio in FlashFi. Since tracking is manual, it works regardless of which provider holds your plan — just enter your holdings and FlashFi pulls the latest prices automatically.

Does FlashFi help with FBAR reporting?

FlashFi is not a tax filing tool, but it gives you a real-time view of all your foreign account balances in one place. This makes it straightforward to check whether your aggregate foreign accounts cross the $10,000 FBAR threshold and to pull the maximum balance figures you need when filing.

Can US expats use FlashFi?

Absolutely — FlashFi was designed with expats and digital nomads in mind. It works from any country, supports 30+ currencies, and does not rely on US-only bank linking services like Plaid. Whether you are filing as a US expat from Berlin or Bangkok, FlashFi keeps your full financial picture in one dashboard.

What currencies does FlashFi support?

FlashFi supports over 30 currencies with real-time exchange rates, including USD, EUR, GBP, JPY, CHF, AUD, CAD, SGD, HKD, and many more. You can set any supported currency as your base currency and see your entire net worth converted automatically.

How is FlashFi different from Empower (Personal Capital)?

Empower is built for US-only investors and requires you to link your bank and brokerage accounts. FlashFi is a multi-currency portfolio tracker that works globally with manual entry, so it handles international brokerages, foreign currencies, and expat scenarios that Empower simply cannot. If your financial life crosses borders, FlashFi fills the gap.

By David Brougham