Balans.finance

The best budget apps for several currencies

Budget apps ranked for people who earn, save and spend in more than one currency, on five criteria applied the same way to every app.

How the apps are ranked

Each app scores one point for each criterion below that its own pages show it meets. Apps with the same score share a place and are listed by name.

  • Accounts in different currencies: Accounts can be kept in different currencies, each with its own balance.
  • Converted totals: Balances and totals are converted into one base currency automatically.
  • Transfers with both amounts: A transfer between two currencies keeps both the amount sent and the amount received.
  • Statement import: Bank statements can be imported from a file, so months of history need not be typed in.
  • Free plan: There is a free plan with no time limit, not only a trial.

We make Balans.finance. It is scored by the same criteria as every other app here and placed where its score puts it.

The ranking

1. Balans.finance

One account can hold several currencies, each transaction is converted at its own day's rate, and a transfer keeps both amounts. It imports Excel, CSV and PDF statements but does not connect to banks, and it runs on the web only until its Android app ships.

Criteria met: 5 of 5 (Accounts in different currencies; Converted totals; Transfers with both amounts; Statement import; Free plan).

1. Toshl Finance

More than 200 currencies, hourly rates and transfers that keep each side's amount and rate. Unlike Balans.finance it has phone apps and, on Medici, bank sync; its free plan stops at 2 accounts.

Criteria met: 5 of 5 (Accounts in different currencies; Converted totals; Transfers with both amounts; Statement import; Free plan).

3. CoinKeeper

Unlimited accounts in any currency on the free plan, with automatic rates and a converted amount you can edit. Its pages do not describe a transfer between currencies, and statement import covers Russian banks, and PDF files on its top plan.

Criteria met: 4 of 5 (Accounts in different currencies; Converted totals; Statement import; Free plan).

3. PocketSmith

Accounts in their own currencies at daily rates, bank feeds in 49 countries and cash-flow forecasting. Its pages do not describe a transfer between currencies, and it does not import PDF statements.

Criteria met: 4 of 5 (Accounts in different currencies; Converted totals; Statement import; Free plan).

3. Spendee

Wallets in their own currencies, converted into your main currency, with bank sync with more than 2,500 banks and shared wallets. Its pages do not describe a transfer between two currencies.

Criteria met: 4 of 5 (Accounts in different currencies; Converted totals; Statement import; Free plan).

3. Wallet by BudgetBakers

More than 170 currencies with nightly rates, bank sync on Premium and its own MCP server. Each account holds one currency, and its pages do not describe a transfer between currencies in the app.

Criteria met: 4 of 5 (Accounts in different currencies; Converted totals; Statement import; Free plan).

3. Zenmoney

Accounts in their own currencies, transfers with an amount on each side, and sync with more than 3,300 banks. Its file import runs through a web version that is no longer supported.

Criteria met: 4 of 5 (Accounts in different currencies; Converted totals; Transfers with both amounts; Free plan).

8. Lunch Money

More than 160 currencies, converted at each transaction's date, and bank sync in the US, Canada and parts of Europe. A transfer between currencies is entered as two separate transactions, and there is no free plan.

Criteria met: 3 of 5 (Accounts in different currencies; Converted totals; Statement import).

9. Actual Budget

Free and open source, and imports CSV, QIF, OFX, QFX and CAMT files. Its docs say it does not support several currencies, and both sides of a transfer carry the same amount.

Criteria met: 2 of 5 (Statement import; Free plan).

9. Money Lover

Each wallet has its own currency, and the free plan includes one wallet. Its pages describe no conversion into one total and no file import.

Criteria met: 2 of 5 (Accounts in different currencies; Free plan).

11. Monarch

Bank sync with more than 13,000 institutions in the US and Canada and its own MCP server, but its help centre says it shows every amount with a $ sign and does not convert between currencies.

Criteria met: 1 of 5 (Statement import).

11. YNAB

You decide what your money is for before you spend it, but a plan holds one currency, and its own guide suggests a separate plan for each currency.

Criteria met: 1 of 5 (Statement import).

13. Dollarwise

Built for US bank accounts, with a 50/30/20 budget and debt payoff plans. Its pages do not mention currencies.

Criteria met: none of 5.

The facts behind the scores

What each app offers was read off its own pages on 2026-11-07, 2026-11-08, and 2026-11-09.
AppAccounts in different currenciesTotals in one base currencyTransfers between currenciesStatement importFree plan
Balans.financeYes. One account can hold several currencies, each with its own balance.Yes, automatic. Each transaction is converted at the exchange rate of its own day.Yes. A transfer records both the amount sent and the amount received.Excel (XLSX), CSV and PDF files from any bank; a layout it has not seen before is mapped by AI. No bank connection.Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.
Toshl FinanceYes. Each account has its own currency, from more than 200.Yes. Rates are fetched every hour, or you enter your own.Yes. Each side keeps its own amount, currency and rate.CSV, XLS, OFX, QFX, QIF, TSV and TXT files. Bank sync on Medici.Yes: 2 accounts and 2 budgets. A 30-day trial of the paid plans.
CoinKeeperYes, any currency, with unlimited accounts on the free plan.Yes, automatic, and the converted amount can be edited.Not mentioned on its website.No CSV or OFX import. Russian bank import on Platinum; AI reads PDF statements on Platinum PLUS.Yes: 10 categories and 1 income source.
PocketSmithYes. Each account has its own currency.Yes, automatic, at daily rates.Not described. Transfer budgets between two currencies are not supported.OFX, QFX, QIF and CSV files; not PDF. Bank feeds on paid plans.Yes: 2 accounts and 12 budgets, with manual imports only.
SpendeeYes. Each wallet has its own currency.Yes, in your main currency. A rate can be set on a transaction.Not mentioned on its website.XLS, XLSX and CSV files, in the web app. Bank sync with 2,500+ banks.Yes: 1 cash wallet and 1 budget. A 7-day trial of the paid plans.
Wallet by BudgetBakersYes, 170+ currencies, one currency per account.Yes. Rates update automatically each night, or you enter your own.Not described for the app; its MCP server can record one.CSV, XLS, XLSX and OFX files, in the web app. Bank sync on Premium.Yes, for manual tracking. Its limits are not stated.
ZenmoneyYes. Each account has its own currency.Yes, in your main currency.Yes. A transfer has an amount in each account's currency.CSV files, through the old web version. Sync with 3,300+ banks.Yes, for manual entry.
Lunch MoneyYes, 160+ currencies.Yes, automatic, at the rate of each transaction's date.Entered as two separate transactions, one in each currency.CSV and PDF files. Bank sync through Plaid in the US, Canada and parts of Europe.No. A 30-day free trial.
Actual BudgetNo. Its docs say it is currency-agnostic and does not support several currencies; a workaround tags an account with its currency in the notes or the name.No. An experimental workaround converts foreign transactions with rules, at an exchange rate you type in.No. The two sides of a transfer always carry the same amount.CSV, QIF, OFX, QFX and CAMT files. Bank sync with your own keys through SimpleFIN (North America), Enable Banking (Europe), Akahu (New Zealand) and Pluggy.ai (Brazil).Yes. Free and open source under the MIT licence.
Money LoverYes. Each wallet has its own currency.Not mentioned on its website.Not mentioned on its website.No file import is mentioned. Paid bank sync in selected Asian countries.Yes: 1 wallet, with ads. A 14-day Premium trial.
MonarchNo. Every amount is shown with a $ sign; USD or CAD accounts are recommended.No. Amounts in different currencies are added without conversion.Not mentioned on its website.CSV files, on the web. Bank sync with 13,000+ institutions in the US and Canada.No. A 7-day free trial.
YNABNo. A plan has one currency; its guide suggests a separate plan per currency.No built-in conversion. It points to third-party converters.Not mentioned on its website.CSV, OFX, QFX and QIF files. Bank sync in the US, Canada, the UK and the EU.No. A 34-day free trial.
DollarwiseNot mentioned on its website.Not mentioned on its website.Not mentioned on its website.No file import is mentioned. Bank sync through Quiltt and Plaid, built for US banks.No. A free trial; its length is not stated.

Where these facts come from

Every fact about another app comes from that app's own pages - its website, help centre, developer documentation or app-store listing - read on 2026-11-07, 2026-11-08, and 2026-11-09. Where its pages do not mention something, the table says so rather than guessing. Each app's page lists the pages it was read from.

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