Toshl alternative for multi-currency budgets

The short version

Toshl Finance is an expense tracker with accounts in their own currencies, hourly exchange rates, many import formats and bank sync on its Medici plan. Receipts can be attached but are not read. Balans.finance reads receipts with AI, imports PDF statements and lets you connect your own AI assistant.

Feature by feature

What Toshl Finance offers was read off its own pages on 2026-11-07 and 2026-11-09.
Feature	Balans.finance	Toshl Finance
Accounts in different currencies	Yes. One account can hold several currencies, each with its own balance.	Yes. Each account has its own currency, from more than 200.
Totals in one base currency	Yes, automatic. Each transaction is converted at the exchange rate of its own day.	Yes. Rates are fetched every hour, or you enter your own.
Transfers between currencies	Yes. A transfer records both the amount sent and the amount received.	Yes. Each side keeps its own amount, currency and rate.
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.	CSV, XLS, OFX, QFX, QIF, TSV and TXT files. Bank sync on Medici.
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.	No. Up to 4 photos can be attached to an entry on Pro and Medici.
Zero-based budgeting	No. A budget sets a target for each category; income does not have to be assigned in full.	No. Budgets are set per category, tag or account, and can fill up from income.
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.	Yes, on Pro and Medici. Planning graphs of future balances, income and expenses.
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 is mentioned. A public API.
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.	10.
Free plan	Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.	Yes: 2 accounts and 2 budgets. A 30-day trial of the paid plans.
Price	Starter: €3.99 a month or €39.00 a year	Pro: US$2.99 a month or US$19.99 a year. Medici: US$4.99 a month or US$39.99 a year.

Choose Toshl Finance if…

You want phone apps for iPhone and Android as well as the web.
You want bank sync, on its Medici plan, or to import OFX, QFX, QIF, TSV or TXT files.
You want exchange rates fetched every hour, from more than 200 currencies.
You want planning graphs of future balances, income and expenses.

Choose Balans.finance if…

You want one account to hold several currencies, rather than an account per currency.
You want receipts read by AI into categorised expenses, not attached as photos.
You want to import PDF statements, Bank of Georgia and TBC Bank included.
You want to connect Claude or another MCP client to an official MCP server.

What you give up by switching from Toshl Finance

Phone apps: Balans.finance runs on the web until its Android app ships.
Bank sync: Balans.finance imports statement files instead.
Import of OFX, QFX, QIF, TSV and TXT files: Balans.finance reads Excel, CSV and PDF.

Where these facts come from

Every fact about Toshl Finance 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 Toshl Finance