Money Lover alternative for multi-currency budgets

The short version

Money Lover is a mobile money manager with wallets in their own currencies, AI receipt reading in beta and paid bank sync in selected Asian countries. Its pages describe no file import and no conversion of all wallets into one currency. Balans.finance imports Excel, CSV and PDF statements, converts every total into your default currency and lets you connect your own AI assistant.

Feature by feature

What Money Lover offers was read off its own pages on 2026-11-07 and 2026-11-09.
Feature	Balans.finance	Money Lover
Accounts in different currencies	Yes. One account can hold several currencies, each with its own balance.	Yes. Each wallet has its own currency.
Totals in one base currency	Yes, automatic. Each transaction is converted at the exchange rate of its own day.	Not mentioned on its website.
Transfers between currencies	Yes. A transfer records both the amount sent and the amount received.	Not mentioned on its website.
Statement import	Excel (XLSX), CSV and PDF files from any bank; a layout it has not seen before is mapped by AI. No bank connection.	No file import is mentioned. Paid bank sync in selected Asian countries.
Georgian banks	Yes. Bank of Georgia and TBC Bank statements, with Georgian or English column titles.	Not mentioned on its website.
Receipt scanning	Yes. AI reads the store, date, items and amounts into categorised expenses.	Yes, in beta. AI reads a receipt photo into a transaction.
Zero-based budgeting	No. A budget sets a target for each category; income does not have to be assigned in full.	No. A budget is a spending limit for a category over a period.
Forecasting	Yes. Where your total balance is heading, from its recent trend: three months ahead on every plan, and a year ahead on paid plans.	Partly. Each budget projects its spending to the end of the period. No balance forecast is mentioned.
Your own AI assistant	Yes. Connect Claude or another MCP client that supports OAuth to its MCP server, once you approve access. No built-in chat.	No AI-assistant connection or public API is mentioned. A built-in AI assistant.
Platforms	Web. An Android app is coming to Google Play, and an iOS app will follow.	iPhone, Android, Mac, Apple Watch and web on a computer.
Languages	11: English, Russian, German, French, Spanish, Italian, Portuguese, Dutch, Polish, Swedish and Georgian.	29.
Free plan	Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.	Yes: 1 wallet, with ads. A 14-day Premium trial.
Price	Starter: €3.99 a month or €39.00 a year	Premium: US$19.99 once. Bank sync: US$2.99 a month, separately. Prices from its App Store listing; its website shows none.

Choose Money Lover if…

You would rather pay once: Premium costs US$19.99, by its App Store listing.
You want apps for iPhone, Android, Mac and Apple Watch, in one of 29 languages.
You bank in the Asian countries where its paid bank sync works.
You want an AI assistant built into the app.

Choose Balans.finance if…

You want to import bank statements from Excel, CSV or PDF files: Money Lover's pages mention no file import.
You want every balance converted into one currency at each day's rate.
You move money between currencies and want a transfer to keep both amounts.
You want to connect Claude or another MCP client to an official MCP server.

What you give up by switching from Money Lover

Phone, Mac and watch apps: Balans.finance runs on the web for now.
A one-off price: Balans.finance's paid plans are monthly or yearly.
A built-in AI assistant: Balans.finance connects to your own instead.
Bank sync in selected Asian countries.

Where these facts come from

Every fact about Money Lover on this page comes from its own pages - its website, help centre, developer documentation or app-store listing - read on 2026-11-07 and 2026-11-09. Where its pages do not mention something, the table says so rather than guessing. If something here is out of date, write to us and we will correct it.

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