Wallet alternative for multi-currency budgets

The short version

Wallet by BudgetBakers is a money tracker with bank sync through open banking, receipt scanning and an official MCP server. Each account holds one currency. Balans.finance lets one account hold several currencies, imports statements without a bank connection, and prices every plan on its website.

Feature by feature

What Wallet by BudgetBakers offers was read off its own pages on 2026-11-07 and 2026-11-09.
Feature	Balans.finance	Wallet by BudgetBakers
Accounts in different currencies	Yes. One account can hold several currencies, each with its own balance.	Yes, 170+ currencies, one currency per account.
Totals in one base currency	Yes, automatic. Each transaction is converted at the exchange rate of its own day.	Yes. Rates update automatically each night, or you enter your own.
Transfers between currencies	Yes. A transfer records both the amount sent and the amount received.	Not described for the app; its MCP server can record one.
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, XLSX and OFX files, in the web app. Bank sync on Premium.
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. Receipts are read with OCR and AI.
Zero-based budgeting	No. A budget sets a target for each category; income does not have to be assigned in full.	No. A budget caps spending in 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.	Yes. The expected balance after upcoming planned payments, and a balance forecast. No horizon is given.
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.	Yes. An official MCP server for Claude, ChatGPT and other clients, and a REST API.
Platforms	Web. An Android app is coming to Google Play, and an iOS app will follow.	iPhone, iPad, Android and web.
Languages	11: English, Russian, German, French, Spanish, Italian, Portuguese, Dutch, Polish, Swedish and Georgian.	About 50.
Free plan	Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.	Yes, for manual tracking. Its limits are not stated.
Price	Starter: €3.99 a month or €39.00 a year	Premium, monthly, yearly or lifetime. Prices are shown in the app, not on its website.

Choose Wallet by BudgetBakers if…

You want bank sync through open banking, on its Premium plan.
You want apps for iPhone, iPad and Android, in about 50 languages.
You want to see your expected balance after upcoming planned payments.

Choose Balans.finance if…

You want one account to hold several currencies, rather than one currency per account.
You move money between currencies and want the app to keep both amounts: Wallet's pages describe this only for its MCP server.
You want to import PDF statements as well as CSV and Excel, without connecting a bank.
You want every plan's price on the website before you sign up.

What you give up by switching from Wallet by BudgetBakers

Bank sync: Balans.finance imports statement files instead.
Phone apps: Balans.finance runs on the web until its Android app ships.
Languages: Wallet has about 50, Balans.finance 11.

Where these facts come from

Every fact about Wallet by BudgetBakers 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 Wallet by BudgetBakers