Finally, a budget that speaks your currencies
Connect your accounts from different countries. See where your money goes. Budget if you want to — or just track spending.
no more spreadsheets, no more guessing
join 500+ expats already waiting
Get early access + 50% off launch pricing
Launching Q2 2026. Early supporters lock in founder pricing forever.
Every budgeting app assumes you live in one country
If you're an expat, nomad, or have family abroad — you already know:
No spending visibility across currencies
You have accounts in two countries and no single view of where your money actually goes
Apps that budget in one currency
YNAB connects to European banks but forces a single currency per budget
Manual currency math
What's €47.50 in dollars again?
Separate apps per country
One for US, one for Spain, manually reconciled in a spreadsheet
Overpriced alternatives
PocketSmith charges up to $27/month for multi-currency support
I built Borderless Budget because I got tired of the spreadsheet.
Before
Check US bank app.
Check Spanish bank app.
Google "EUR to USD."
Open spreadsheet.
Try to remember what you spent last Tuesday.
Give up.
every. single. day.
After
Open Borderless Budget.
See everything.
that's it. seriously.
See your spending. Add budgets if you want them.
Works as a spending tracker from day one. Budgets are optional.
Spending Analytics
Every month, you'll know exactly where your money went — across every currency. Trends, recurring charges, category breakdowns. No budget setup required.
February 2026
vs last monthDining Out
€180 + $45
Housing
€950
Groceries
€210 + £35
the good stuff
Multi-Currency Tracking
Amounts show up in their native currency with conversions beside them. USD, EUR, GBP, and more — no mental math.
Entertainment
no mental math!
Transactions sorted for you
Spending is categorized automatically as it comes in. Customize categories, merge them, or create new ones anytime.
Domino's Pizza
Yesterday • €18.50
Spotify Premium
Jan 15 • $9.99
TFL Journey
Jan 14 • £2.80
it just works
Budgets built from your spending
When you want a budget, we build one from what you actually spend. Pick a savings goal, adjust the numbers, and go.
Your savings goal
based on your real life
How it works
five minutes to clarity
Connect your accounts
Link banks from the US, Canada, UK, and EU in a few clicks
See where your money goes
Spending appears instantly. Categorized. Every currency.
Add budgets if you want them
Set spending limits based on what you actually spend — or just keep tracking
Built by an expat, for expats
After moving from the US to Spain, I tried RocketMoney, YNAB, MoneyWiz, Spendee, and 5 others. None of them could connect both my Spanish and American banks and handle multiple currencies.
I ended up paying $200/year for PocketSmith—and the UX is painful.
So I'm building what I wish existed.
Patrick Berkeley
Founder, Borderless Budget
Multi-currency on every plan
Try free for 30 days, then pick a plan
$99/year, billed annually
For managing money in two or three currencies
- 3 connected accounts
- Spending analytics and trends
- Recurring charge detection
- Automatic transaction categorization
- Categorization rules
- Unlimited custom categories
- Multi-currency budgeting
- Exchange rate updates
- Email support
- Export to CSV
$149/year, billed annually
Everything in Plus, with more accounts and deeper reporting
- Everything in Plus, plus:
- 10 connected accounts
- Currency impact reports
- Recurring transaction rules
- Multiple household members
- Advanced reporting (monthly/yearly trends)
- Priority support
- API access
- Beta features