TL;DR — Key Takeaways
- →YTD savings = what you actually owed abroad vs. what you'd have owed at home, day-weighted.
- →Monthly breakdown shows which countries generated the most savings and which barely moved the needle.
- →Country comparison view normalizes each country to a full-year equivalent for side-by-side clarity.
- →The ledger measures tax savings specifically — not a full cost-of-living comparison.
- →Knowing your actual saving changes how you make destination decisions.
Most nomads know they're paying less tax than they would back home. Very few know the actual number.
"Way less" is a feeling. The Tax Savings Ledger is the number.
The Savings Ledger calculates your real tax saving — day-weighted, by country, compared against your home baseline. See yours in keepmore.money.
Try it free →How It Calculates
The ledger pulls your income from your dashboard preferences, applies it against the tax rules of each country you've logged trips in, and compares the result to what you'd have paid if you'd stayed in your home country all year.
It's day-weighted. If you spent 90 days in Dubai, 60 in Portugal, and 75 in Thailand, each country's tax burden is weighted by the days you were there. The comparison isn't hypothetical — it's based on your actual travel log from the Residency Tracker.
The baseline is your home country's full-year tax on the same income. That's the number you're being compared against.
What You See
The main view gives you a YTD saving: the delta between what you've actually owed abroad so far this year and what you'd have owed at home over the same period. Next to it is a projected annual saving — an estimate of the full year if your current pattern continues.
The monthly breakdown shows how savings accumulate month by month. This is where strategy becomes visible. Months in zero-tax countries show up as large spikes. Months in high-tax countries narrow the gap. Moving from Germany to Dubai mid-year shows up clearly as a step-change in the monthly line.
The country comparison view normalizes each country to a full-year equivalent — useful when you're deciding between two destinations and want to compare their effective tax rates on your income side by side, not weighted by how long you happened to stay.
What It Doesn't Measure
The ledger measures tax savings specifically. It doesn't account for flights home, international health insurance, visa fees, or the extra €800/month you're spending on accommodation in Lisbon vs. your old apartment.
This is intentional. Tax savings can be calculated with precision from your income and your travel log. Cost of living can't — it depends on too many personal choices. The ledger does its job well precisely because it doesn't try to do everything.
A $40,000 tax saving still represents $40,000 saved. What you do with the information — whether you pocket it or redirect it into longer stays somewhere more expensive — is a separate decision.
Open the ledger. Know the number. Then decide if you're optimizing it as well as you could be.