Two currencies, one household

Two currencies. One household.

You count in one currency and your partner in another, with a flat, a pension or an investment between you. Each of you picks a base currency, what is shared is split the way you own it, and the household total shows in whichever currency you choose.

No bank logins · Private by design · Start from your spreadsheet

  • What do we have together, when each of us counts in a different currency?

    Each member picks their own base currency, and the household total shows in the currency you choose. A holding owned by both is split by percentage or by amount, counted once for the household and by share for each of you.

  • What is mine, what is yours, what is shared, and how is the shared part split?

    The Overview shows each member's share. Filter by owner narrows Net worth, Goals and Cash flow to one of you. An expense can be split between you, and an entry marked Only me stays yours.

  • Can we each keep our own plan and still have one for the household?

    A household budget plus a personal one each. Goals for one of you, for both, or for the household. Bills split between members. Roles say who may change what.

Whatever your situation, anything you can put a value on counts: a flat, a pension, crypto in a wallet, a car, money a friend owes you. And it works the same for one person or a whole household, each member in their own currency, with a role you choose.

Why it's different

Four things this app doesn't take for granted

Most finance apps are built for one country, one currency, a bank feed and a couple with a joint account. This one is built for your life.

  • True multi-currency

    Salary in dollars, rent in euros, savings in pounds. Every amount keeps its own currency, and every total is shown in yours — at today's rate, switchable any time.

  • Manual, on purpose

    You enter the numbers, on the web or in two taps on your phone, so they're right in any country and for anything you can put a value on — a flat, a pension, a wallet, a loan to a friend. No sync to break, nothing to reconnect. Already keep it all in a spreadsheet? Bring the file and start from there.

  • Private by design

    No bank logins, no account scraping, no third party reading your transactions. What you enter stays between you and the people you invite.

  • Built for real households

    Each member has their own main currency, their own view and a role you choose. Shared assets carry each person's share, and it all rolls up into one household total — no joint account required.

Getting started

Your spreadsheet becomes your net worth.

Upload the file you keep your numbers in and see your total in one currency, with nothing typed twice. The file is read once, nothing stays connected, and you check every line before it's saved. Prefer to look around first? Start with a fictional household and erase it in one click.

  1. Create your account

    An email and a password. No bank login, nothing to connect.

  2. Pick your currencies

    The ones you earn, spend and save in. One becomes your main currency, and every total is shown in it.

  3. Choose how to start

    Bring your spreadsheet, explore with sample data, or start empty and follow a short checklist on your overview.

Bring it all into one place.

Every currency, everyone in your household, nothing connected to a bank. Bring your spreadsheet, or start with sample data and make it yours when you're ready.

No bank logins · Sample data you can erase in one click

Everything Valunto does, on one page