Multi-Currency Budgeting App

Your finances can span countries without becoming separate financial lives. Spendly brings accounts in 50 currencies into one workspace, with daily exchange rates and a base currency for your overall view.

Keep every account in its own currency

Add a US dollar checking account, euro savings, a sterling credit card, or a cash wallet for your next trip. Each account has its own currency, and its transactions keep their original amounts. A €45 purchase stays a €45 purchase in your records.

When you review your total balances, spending, or net worth, Spendly converts the figures into your chosen base currency. You can understand both the original amount and its place in your overall finances.

Choose the perspective that fits your life

Your base currency is the currency you want to use for your financial overview. Choose the one that makes your income, spending, and savings easiest to understand. Daily exchange-rate updates help bring foreign accounts into that view.

For example, someone paid in USD with savings in EUR and a GBP travel account can follow all three accounts while reviewing their overall position in dollars. Original balances remain available alongside the combined view.

Bring planning across borders

Envelope budgeting, sinking funds, and savings goals each let you plan in their own currency. Save for a euro expense in euros, then see how it fits into your wider plans.

Use spending reports to review your habits and the net worth tracker to follow the combined picture over time. The same accounts support your day-to-day decisions and your longer view.

A practical way to get started

1. Choose your base currency.
2. Add each account in the currency it uses.
3. Enter opening balances and import recent statements.
4. Build budgets and goals around the expenses you actually have.

Read the multi-currency finance guide for a simple workflow, or open Spendly to bring your accounts together.