Paid in one currency. Living in another.
Your salary or your invoices arrive in one currency, and the month happens in another. Each transaction keeps the currency it was paid in and converts at the rate of its own day, so your income counts at what it was worth when it arrived, and what is left to spend shows in the currency you live in.
No bank logins · Private by design · Start from your spreadsheet
What is this month's income worth where I live, and how much is left to spend?
Budget shows what is left to spend in your base currency: the spending you planned, minus what you have spent, minus the bills still set aside. Income recorded in another currency converts at the rate of the day it arrived, so a rate that moves later doesn't rewrite your month.
Which bills are still to pay, and in which currency?
Bills and income lists what repeats, each bill in its own currency, with what is paid this month, what is due and what is coming. Until a bill is paid, its amount stays set aside in what is left to spend.
Was this month better or worse than the last, once converted?
Cash flow adds up income and spending for a month, a quarter or any period you pick, in your base currency, and compares it with the period before or with the same period a year earlier.
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.
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.
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.
Create your account
An email and a password. No bank login, nothing to connect.
Pick your currencies
The ones you earn, spend and save in. One becomes your main currency, and every total is shown in it.
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