The multi-currency budgeting app for life across borders

Add your accounts, each in its own currency, then get transactions in however suits you — connect your bank in the US, EU or UK, upload a statement, CSV or screenshot, import through an AI assistant over Spendly's MCP integration, or add them by hand. From that ledger Spendly builds category budgets, envelopes, sinking funds, savings goals, debt payoff plans, net worth and a 12-month forward projection, all converted into the one base currency you choose.

Spendly supports 49 currencies, including USD, EUR, GBP, JPY, AUD, CAD, CHF, AED, SGD and INR. Each account holds one currency; exchange rates refresh daily so balances, budgets and reports roll up correctly into your base currency.

Yes. You record what each holding is worth on a date — stocks, ETFs, funds, bonds, crypto, cash, property or anything else — and Spendly keeps that value history and folds it into your net worth alongside your budgets and spending. It does not pull live market prices, which means it also handles assets a price feed cannot quote, like a flat or a private holding.

You set spending limits by category on weekly, monthly, quarterly or yearly periods, with a custom start day so a period can match your pay cycle. Each budget shows a live progress bar and a pace-aware forecast that flags when your current spending rate would take you over — before you have already overshot.

Sign-in supports passkeys and app-based two-factor authentication, sessions use httpOnly cookies that can be revoked server-side at any time, and repeated failed sign-in attempts are rate-limited and locked out. Sensitive fields are encrypted at rest and backups are encrypted. Your data is yours: export it to CSV or delete your account whenever you want.

You add each subscription once — amount, currency, billing cadence and next renewal date — and Spendly keeps the ledger. Weekly, quarterly and yearly billing are all normalised to a true monthly and annual cost, with a renewal warning seven days out, and subscriptions priced in different currencies convert into your base currency for an honest total.

Create a goal with a target amount and deadline, and Spendly calculates your required monthly contribution. You can track multiple goals at once — emergency fund, vacation, down payment — each with a progress bar, a months-remaining figure and an on-pace or behind indicator that updates as you contribute.

Spendly calculates your net worth by combining all your assets (savings, investments, property) and subtracting liabilities (loans, credit card debt). It tracks changes month over month so you can see whether your financial decisions are moving you forward.

Spendly generates detailed breakdowns by category, time period, and currency. You can see exactly where your money goes each month, compare spending across periods, and spot trends before they become problems.

Spendly runs in any modern browser and installs to your home screen as a Progressive Web App on iOS and Android. It keeps working offline — log an expense on a plane and it syncs when you reconnect. You install it from the browser rather than an app store.