About K25x
A plan for financial independence, built for the people spreadsheets and US-centric finance apps left behind.
Why I built this
I'm the founder — a UAE-based expat who spent years trying to answer a simple question: am I on track to financial independence?
The spreadsheets broke every time I added an account in another currency. Mint, YNAB, and Monarch didn't know what Zakat was, let alone how to calculate it. None of them understood UCITS ETFs, UAE residency, or the specific tax pressure on expats moving between jurisdictions. My bank app couldn't see the accounts at my other banks. My broker couldn't see my real estate. No tool treated the full picture as the point.
K25x is what I wished existed. It's grounded in low-cost index investing — because the evidence for boring, diversified, long-term investing is overwhelming — and built around the specific reality of earning in one country, investing in another, and one day moving home.
It's software, not advice. It's opinionated, because neutrality is usually just a refusal to tell the truth. And it's on your side, because you're the one paying for it — no one else.
Who K25x is for
Expats whose money lives in more than one country — Gulf first, with UK and US tax for the move home — serious about understanding the full picture: net worth across currencies, tax exposure, the year financial independence lands, gratuity, Zakat, estate. And allergic to products that exist to sell them something else. If that's you, we built this for you.
Our principles
What we believe. What the product reflects.
Diversified index investing
Broad market exposure beats stock-picking for almost everyone. We default to globally diversified, UCITS-friendly portfolios.
Low costs
Fees compound against you. We favour low-expense-ratio ETFs and call out when you’re bleeding money to fund managers.
Long-term, no market timing
Time in the market beats timing the market. We plan for decades, not quarters.
No hidden agenda
We sell software subscriptions. No ads, no data brokering, no AUM fee. The one disclosed exception: the optional wills feature may earn a referral fee from a partner, shown and consented to at the point of hand-off, never added to their price.
Transparency
Every assumption the app makes is visible and editable. No black boxes.