Whether you travel frequently, earn income in multiple currencies, or manage investments across international markets, tracking finances in different currencies can quickly become overwhelming. Spendly’s multi-currency expense tracker simplifies this by handling currency conversions automatically.
How Multi-Currency Tracking Works
Each account in Spendly holds one currency: a euro current account, a sterling savings account, a dirham cash wallet. You log transactions against the account, so they inherit its currency, and Spendly converts everything into the base currency you pick for budgets, reports and net worth.
- 49 supported currencies including USD, EUR, GBP, JPY, AUD, CAD, CHF, AED, SGD, INR and BRL
- Daily exchange rate refresh so you never need to look up conversion rates manually
- One base currency for budgets, reports and net worth, whatever the underlying accounts hold
- Per-account currency: hold as many accounts in as many currencies as you need
- Cross-currency transfers recorded at the rate you actually got, not an average
Who Benefits from Multi-Currency Tracking
Multi-currency tracking matters most to three groups: people living in one country and earning in another, frequent travellers, and anyone holding investments or property abroad.
Expats and Remote Workers
If you live in one country but earn in another currency, Spendly keeps your finances clear. Log your salary in one currency and daily expenses in another. Spendly reconciles everything in your base currency.
Frequent Travelers
Business or leisure travel means spending in foreign currencies. Instead of losing track of what you spent abroad, log each transaction in the local currency. Spendly converts it and includes it in your overall spending reports.
International Investors
Hold investments denominated in different currencies? Spendly tracks the value of your portfolio with up-to-date exchange rates, so you always know your real returns after currency fluctuations.
Multi-Currency Budget Planning
Set budgets in your base currency and Spendly converts spending from other currencies when counting it against your limits, so a euro grocery shop and a sterling one land in the same category total. See budget planning.
Accurate Spending Reports Across Currencies
Your spending reports aggregate all transactions regardless of the original currency. Filter by currency to see how much you spent in each one, or view everything converted to your base currency for a unified picture.
No Spreadsheet Gymnastics
Before Spendly, managing multi-currency finances usually meant manual spreadsheet formulas, looking up historical exchange rates, and hoping you didn’t make a mistake. Spendly eliminates all of that with automatic, accurate currency handling built into every feature.
Get Started with Multi-Currency Tracking
Setting up is straightforward: choose your base currency, then start logging transactions in whatever currency they occur in. Spendly handles the rest: conversions, reporting and budgeting all work automatically across currencies.
Coming from another app? Does YNAB support multiple currencies? covers the one-budget-per-currency limit and what the workarounds cost.
For strategies rather than tooling, read managing personal finances in multiple currencies.
Common questions
How many currencies does Spendly support?
49, including USD, EUR, GBP, JPY, AUD, CAD, CHF, AED, SGD, INR and BRL. Exchange rates refresh daily, so budgets, reports and net worth roll up correctly into the single base currency you choose without you looking up a rate.
Which currency should I choose as my base?
The one you will spend the money in, not the one you earn it in. If you earn dollars but live in the eurozone and intend to stay, euros are your base currency. It is a reporting choice, not an instruction to convert anything.
Are foreign transactions converted when I record them?
No. Each account holds one currency and transactions inherit it, so conversion happens on the way into a report rather than into the ledger. That keeps the original amounts intact, so a rate move never looks like a change in your spending.