Abstract: A computer-based system and process optimize the net disposable income (NDI) of a user based on location. The user populates a profile with user values, and a report is generated containing an optimal geographic match. The match can include locations which minimize financial liabilities to the user, and/or which maximize the NDI of the user, and/or which utilize a formula based at least partially on preferences provided by the user profile. Taxes are considered which are related to each location and expenses based on lifestyle, preferences, and other needs. The system includes a computing device with a central processing unit (CPU), memory, and permanent storage, a display, a user interface, and a program for implementing the process for optimizing the NDI of the user. The program is executable by the computing device, and can be made available over a network communication via Transmission Control Protocol (TCP) and Internet Protocol (IP).