Free Research Membership · No credit card required

Your budget.
Any country.
Live rates.

My4lio shows you exactly what your money buys in your destination country — in your currency, with today's exchange rate — before you commit to the move.

Start for Free  → See how it works ↓
50+
Destination countries
Live
FX rates, daily
100%
Free base membership
my4lio.com/scenarios
My4lio Scenarios
✓  $39,000/yr → THB 1,256,547 live
32.22 THB Live · 1 USD · Unchanged
Powered by
📊 Numbeo Cost-of-Living Data
💱 Daily FX Rate Feed
🛂 Travel Buddy Visa API
🔒 Supabase RLS Security
🌐 English & Spanish
Why My4lio

Stop guessing.
Start planning.

Most people considering a move abroad rely on blog posts and forum threads. My4lio gives you a data-driven picture built from your actual income, your actual budget, and real destination costs.

01
💰

Your numbers, not averages

Enter your real income and expenses. My4lio builds your financial picture and shows how it maps to life in Thailand, Mexico, Portugal — or wherever you're considering.

02
📡

Live data, not static guides

Exchange rates refresh daily. Cost-of-living benchmarks come from Numbeo. Your purchasing power is recalculated every time you open the dashboard.

03
🗺

Plan before. Track after.

Compare up to 3 destinations in Planning mode. When you move, flip the same scenario to Tracking and record actual monthly expenses to see how reality matches the plan.

Analytics Dashboard

Everything you need to know about your finances — in one view

The Dashboard surfaces the metrics that matter for relocation planning: your savings rate, purchasing power at your destination, FX impact over the past 7 days, how your budget compares to the national average, and more — all in your chosen display currency.

  • ✓
    Savings rate gauge and surplus/deficit at a glance
  • ✓
    Budget breakdown donut chart across all GL categories
  • ✓
    Your income vs national average for your home country
  • ✓
    Purchasing power ratio: how far your money goes abroad
  • ✓
    24-month purchasing power trend and FX timeline
/dashboard
My4lio Dashboard
Scenario Modeling

Compare up to 3 destinations side by side

Create a scenario for each country you're considering. My4lio locks the exchange rate at the moment you create the scenario, then shows the live rate alongside it — so you can see exactly how currency movement is affecting your plan in real time.

  • ✓
    Annual budget projection in destination currency
  • ✓
    FX rate locked at creation, live rate shown alongside
  • ✓
    Side-by-side net position comparison for all scenarios
  • ✓
    One-click to activate Tracking when you've moved
  • ✓
    Auto-join destination community group on creation
/scenarios
My4lio Scenarios
Expense Tracking

After you move — track actuals vs plan

Once you've relocated, flip your Planning scenario to Tracking and record what you actually spend each month in local currency. My4lio converts it to USD automatically and builds your Budget vs Actuals view month over month.

  • ✓
    Enter amounts in destination currency — conversion is automatic
  • ✓
    Budget vs Actuals tab for month-by-month variance
  • ✓
    Purchasing power snapshot recorded on every save
  • ✓
    Navigate backward through previous months
/tracking
Expense Tracking
General Ledger

A professional-grade GL view of your finances

My4lio runs a real double-entry general ledger under the hood. The Ledger page gives you a full period summary, chart of accounts with budget vs actual columns, and a journal entry log — the same financial clarity used in business accounting, applied to your personal budget.

  • ✓
    Full GL chart of accounts: Housing, Food, Transport & more
  • ✓
    Period-selectable summary with budget vs actual variance
  • ✓
    Journal entries auto-posted from Tracking page
  • ✓
    Net Savings row: Total Income − Total Expenses
/ledger
General Ledger
Getting Started

Up and running in minutes

My4lio is built to get you to insight fast. Four steps from zero to a full financial picture of your relocation.

1

Register Free

Email and password. Accept the Research Terms. No credit card, no trial period — it's free.

2

Set Your Profile

Enter your home country, home currency, and household size. Takes under a minute.

3

Build Your Budget

Enter monthly income and expenses across 8 GL categories. Unlocks the Dashboard and all features.

4

Add Destinations

Create scenarios for up to 3 countries. Explore visas, join community groups, and start tracking.

"

I always wondered if I could actually afford to live in Thailand on my US salary. My4lio gave me a number — not a guess. That's what made the difference.

My4lio Research Member · United States

The Full Picture

Every tool you need.
One platform.

From the moment you first wonder "could I afford to live abroad?" to the day you track your first month of real expenses overseas.

my4lio.com/register
Registration
Free Registration
my4lio.com/scenarios
Brazil scenario
Brazil Planning Scenario
my4lio.com/about
About My4lio
Platform Principles
my4lio.com/tracking
Tracking
Monthly Expense Tracking
Everything Included

Built for the whole journey

Every feature included in your free membership — from before you decide, to after you've moved.

📊

Analytics Dashboard

Savings rate, purchasing power, FX impact, budget adherence, income vs national average — all in one view, updated daily.

🗺

Scenario Modeling

Create up to 3 destination scenarios. Lock FX rates, compare net positions, and see how currency swings affect your plan.

💰

GL-Based Budgeting

A real general ledger under the hood. Income and expense tracking across 8 categories, stored in your home currency.

📋

Expense Tracking

Record actual monthly spend in destination currency. Auto-conversion to USD. Budget vs Actuals tab with variance view.

🛂

Visa Lookup

Passport-based visa requirements for every destination. Color-coded: visa-free, on-arrival, eTA, or full visa required.

👥

Expat Groups

Destination groups created automatically per country. Community groups for common interests. Public and private options.

💬

Community Feed

Project updates, feature announcements, and member acknowledgements published by the My4lio team.

🌐

English & Spanish

Full bilingual support with browser language auto-detection. Switch between languages from the navigation bar.

🛟

Support Channel

Submit support requests directly from the app. Track your tickets and receive direct replies from the My4lio team.

The Research Partnership

Free forever — in exchange for something meaningful

My4lio is part of the M4SaaS Research Project. Your base membership is free because your anonymized financial data — budget ranges, currency patterns, destination choices — helps us build the world's most accurate model of how people navigate global financial relocation.

🔒

Your identity is never exposed

Personal data is anonymized and decoupled from financial entries at the database level. We study aggregate numbers, not individuals.

📦

You own your raw data

Export or delete your data at any time. My4lio retains the derived research insights; you keep everything you put in.

📈

The platform improves as it grows

Every new member adds signal. Better data means better purchasing power benchmarks, better scenario comparisons, better predictions for everyone.

C2F Data Foundry Research Credentials
Membership

Everything. Free. Today.

No pricing tiers to navigate. No features locked behind a paywall. Sign up and get immediate access to the full My4lio platform — all you need is an email address and a willingness to participate in the research.

Start Free  →
✓
Analytics Dashboard with live FX data
✓
Up to 3 relocation scenario comparisons
✓
GL-based budgeting with 8 expense categories
✓
Monthly expense tracking in destination currency
✓
Visa requirements for 50+ destination countries
✓
Expat destination groups and community feed
✓
English and Spanish interface
✓
Direct support channel with team replies
Ready to start planning?

Know what your life abroad will actually cost.

Join My4lio free. Build your budget, model your destinations, and get the financial clarity you need to make your move with confidence.

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