The best budgeting apps for Europe

YNAB syncs at least one bank in 17 European countries plus the UK.² It's priced in USD at $14.99 a month or $109 a year, with a 34-day trial.⁴ It keeps each currency in its own plan.³

Toshl is one of the cheapest ways to get bank sync: its Medici plan is $4.99 a month or $39.99 a year, and its bank list covers the UK, every EU country and Switzerland.^{8, 9}

Emma has a free version and paid plans from £4.99 a month,¹⁴ but in Europe it is UK-only: its help center says it is live in the UK, US and Canada.¹³

This is where most apps fall away. YNAB recommends a separate plan per currency.³ Monarch shows every amount with a $ and does no conversion, so 1,000 yen reads as $1,000.¹⁶ Copilot only supports USD.¹⁸

Lunch Money handles 160+ currencies and converts at the rate on each transaction's date.⁶ Its own sync covers the US, Canada and 11 EU countries; for the UK it points to paid third-party tools.⁵

PocketSmith includes multiple currencies on every plan and is strong on forecasting. Bank feeds from more than one country start at the Flourish plan, $16.66 a month billed yearly.¹¹

Toshl also lets you record in any currency and switch your main one.¹⁰

We built it for people whose money lives in more than one country. Borderless Budget connects bank accounts in the US, Canada, the UK and the EU, plus Norway, Iceland and Liechtenstein. Where a bank isn't supported, CSV import and manual accounts cover it, in any currency.

Each transaction converts to your home currency at the exchange rate for its own date, with the original kept beside it. Spending, budgets, recurring charges and net worth all add up in one currency. Here is what a month looks like for someone living in Spain with a US card, a US loan and a flat in the UK:

Illustrative figures.

Where others do better: YNAB, Toshl, Lunch Money, Monarch and Emma have phone apps,^{3, 9, 19, 20, 21} while ours is a web app that works in your phone's browser. Toshl and Emma are cheaper.^{9, 14} PocketSmith projects your balances up to 10, 30 or 60 years ahead, depending on the plan.¹¹ And YNAB's method comes with its own guides and live hangouts.⁴