Spendee alternative for multi-currency budgets

The short version

Spendee is a mobile expense tracker with shared wallets, bank sync in about 50 countries and AI receipt scanning on its Premium plan. Each wallet has its own currency, and its pages do not describe a transfer between two currencies. Balans.finance records such a transfer with both amounts, imports PDF statements and lets you connect your own AI assistant.

Feature by feature

What Spendee offers was read off its own pages on 2026-11-07 and 2026-11-09.
Feature	Balans.finance	Spendee
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.	Yes, in your main currency. A rate can be set on a transaction.
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.	XLS, XLSX and CSV files, in the web app. Bank sync with 2,500+ banks.
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, on Premium. AI fills in the amount and category from a photo.
Zero-based budgeting	No. A budget sets a target for each category; income does not have to be assigned in full.	No. A budget sets a spending limit on chosen categories.
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.	No forecast is mentioned. Scheduled transactions are listed ahead of their dates.
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.
Platforms	Web. An Android app is coming to Google Play, and an iOS app will follow.	iPhone, Android and web.
Languages	11: English, Russian, German, French, Spanish, Italian, Portuguese, Dutch, Polish, Swedish and Georgian.	27.
Free plan	Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.	Yes: 1 cash wallet and 1 budget. A 7-day trial of the paid plans.
Price	Starter: €3.99 a month or €39.00 a year	Plus: US$1.99 a month or US$14.99 a year. Premium: US$5.99 a month or US$35.99 a year. Prices may differ by country.

Choose Spendee if…

You want to share wallets with other people.
You want bank sync with more than 2,500 banks.
You want phone apps for iPhone and Android, in one of 27 languages.
You want a low-priced paid plan: Plus costs US$1.99 a month, though prices may differ by country.

Choose Balans.finance if…

You want one account to hold several currencies, rather than a wallet per currency.
You move money between currencies and want a transfer to keep both amounts.
You want receipts read by AI on every plan, the free one included, and PDF statements imported as well as Excel and CSV.
You want to connect Claude or another MCP client to an official MCP server.

What you give up by switching from Spendee

Bank sync: Balans.finance imports statement files instead.
Phone apps: Balans.finance runs on the web until its Android app ships.
Languages: Spendee has 27, Balans.finance 11.

Where these facts come from

Every fact about Spendee 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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Balans.finance vs Spendee