If you search for “budgeting app multiple currencies,” you will find dozens of listicles that name-drop apps without testing whether their multi-currency support is actually useful. “Supports multiple currencies” can mean anything from “converts everything to dollars automatically” to “lets you budget natively in any currency with daily exchange rate updates.”
These are very different experiences. The first one hides what you actually spend in local currency. The second one gives you an accurate picture of your financial life across borders.
We tested six apps that handle multiple currencies in some form: Borderless Budget, PocketSmith, Lunch Money, YNAB, Toshl Finance, and MoneyWiz. For each one, we evaluated how deep the multi-currency support goes, whether you can actually budget in different currencies, how exchange rates are handled, and what the overall experience is like for someone managing money across countries.
What good multi-currency support looks like
Before diving into the comparison, here is what we look for in multi-currency budgeting:
- Transactions stay in their original currency. When you buy groceries for EUR 45, the transaction should show EUR 45 in your budget, not its dollar equivalent.
- Transactions visible in their original currency. You should be able to toggle between seeing amounts in your home currency and the original currency, so you always know what you actually spent locally.
- Exchange rates update automatically. Ideally daily. Manual exchange rate entry is a recipe for outdated data.
- A unified view exists across currencies. When you want the big picture, the app should convert everything to your chosen home currency using current rates.
- Historical rates are preserved. A transaction from three months ago should reflect the exchange rate at that time, not today's rate.
Multi-currency feature comparison
| Feature | Borderless Budget | PocketSmith | Lunch Money | YNAB | Toshl | MoneyWiz |
|---|---|---|---|---|---|---|
| Native multi-currency | ||||||
| Currencies supported | All major | All major | 160+ | One per budget | ~200 | Multiple |
| Crypto support | ||||||
| Daily exchange rates | , | |||||
| Historical rate tracking | Basic | |||||
| Currency impact visibility | ||||||
| Unified multi-currency view | ||||||
| Cross-currency reporting | Basic | Basic | ||||
| US bank connections | US + Canada | |||||
| EU bank connections | Partial | |||||
| UK bank connections | ||||||
| Australia/NZ connections | ||||||
| AI categorization | Basic | Basic | ||||
| AI budget generation | ||||||
| Free trial | 30 days | |||||
| Starting price | $10/mo ($99/yr) | $9.99/mo | ~$5/mo | $14.99/mo | $2.99/mo | $4.99/mo |
All features and pricing verified February 2026. See individual app websites for latest details.
Three tiers of multi-currency support
Tier 1: Built for multi-currency from the ground up
Borderless Budget, Lunch Money, PocketSmith
These three apps treat multi-currency as a core feature, not an add-on. Transactions stay in their original currency. You can see all your spending in one unified home currency view. Exchange rates update automatically. You get the full picture of your international finances without workarounds.
Tier 2: Multi-currency supported but limited
Toshl Finance, MoneyWiz
These apps have genuine multi-currency features, but with significant limitations. Toshl supports ~200 currencies with hourly rate updates, but only connects to US and Canadian banks. MoneyWiz has multi-currency accounts and Salt Edge integration, but is known for buggy sync and a dated interface. Both have basic auto-categorization but no AI.
Tier 3: Single-currency with workarounds
YNAB, Monarch Money
YNAB converts foreign transactions to your base currency at import time. You can create separate budgets for different currencies, but there is no unified multi-currency view. Monarch Money is entirely single-currency (USD only). Neither app is designed for multi-currency use, and trying to make them work for that purpose requires significant manual effort.
Each app's multi-currency capabilities
Borderless Budget
$10/mo ($99/yr) / $15/mo ($149/yr)
Borderless Budget was built specifically for multi-currency budgeting. Every feature is designed with the assumption that users have accounts and expenses in multiple currencies.
Multi-currency depth: Budget in your home currency with full visibility into original transaction currencies. Toggle between home currency and original currency views on any transaction. Unified reporting converts everything using daily exchange rates. Currency impact tracking shows how rate changes affect your budget over time, so you can distinguish between spending more and losing purchasing power to exchange rate movements.
What sets it apart: AI categorization that works across countries (recognizes foreign merchants without manual rules), AI budget generation that factors in multi-currency spending, and secure bank connections in the US, Canada, UK, and EU.
Limitations: New product (Q2 2026 launch). No crypto support. No mobile apps at launch. Does not track as many currencies as Lunch Money or Toshl.
PocketSmith
$9.99/mo / $16.66/mo / $26.66/mo
PocketSmith has offered multi-currency support for years. As a New Zealand company, supporting currencies beyond USD was always part of the product vision.1
Multi-currency depth: Track accounts, assets, and liabilities from different countries with automatic currency conversion based on daily rates. Multi-currency support extends to their calendar-based forecasting, so you can project your finances across currencies into the future.
What sets it apart: Calendar-based forecasting with multi-currency support. Strongest long-range planning tools of any multi-currency app. Bank connections in the US, UK, Australia, New Zealand, and Canada with EU via Yodlee.
Limitations: Full features require the Fortune plan at $26.66/month. No AI features. Interface is functional but dated. EU bank coverage through Yodlee is less comprehensive than other providers.
Lunch Money
~$5/mo ($60/yr minimum)
Lunch Money has arguably the broadest currency support of any budgeting app, with 160+ currencies including cryptocurrencies.2 Built by solo founder Jen Yip, it is designed from the ground up for international users.
Multi-currency depth: Native multi-currency support with transactions tracked in their original currency. Historical exchange rates stored per transaction. Crypto tracking alongside fiat currencies. Clean, thoughtful implementation that reflects real-world multi-currency usage.
What sets it apart: Broadest currency support (160+). Crypto tracking. Lowest price for full-featured multi-currency (~$5/month). All features at every price point. Developer-friendly API.
Limitations: No AI categorization (rule-based only). No AI budget generation. No Australian bank connections. Mobile apps still evolving. Smaller community than YNAB or Monarch.
YNAB (You Need a Budget)
$14.99/mo or $109/yr
YNAB is the most popular budgeting app overall, but it does not have native multi-currency support. We include it because so many people search for “YNAB multi-currency” that it deserves a clear answer.3
What YNAB does: Lets you set one currency per budget. If your budget is in USD and you make a purchase in EUR, YNAB converts it to USD at the import rate. You can create separate budgets in different currencies but cannot see a unified view across them. A third-party plugin (borsboom.io) adds some multi-currency features via the YNAB API.
What YNAB does not do: Budget in multiple currencies within one budget. Track historical exchange rates. Show currency impact on your budget. Auto-update exchange rates for existing transactions.
The bottom line: YNAB is an excellent budgeting app with a proven methodology, but if multi-currency is important to you, it is not the right tool. Its single-currency architecture is a fundamental design decision, not a missing feature that will be added in a future update.
Toshl Finance
Free / $2.99/mo (Pro) / $4.99/mo (Medici)
Toshl Finance is a Slovenian company that built multi-currency into the product from the beginning. It supports approximately 200 currencies plus about 30 cryptocurrencies, with exchange rates updating hourly.4
Multi-currency depth: Native multi-currency with hourly rate updates. Custom exchange rates per transaction if you want to record the actual rate you received. Tracks spending across currencies with broad currency support including crypto.
What sets it apart: Very affordable ($2.99-$4.99/month). Broadest currency support alongside Lunch Money. Hourly exchange rate updates (most apps update daily). Fun, personality-driven branding.
Limitations: Bank connections limited to the US and Canada only (on the Medici plan), which is ironic for a European company. No EU bank connections. Dated design. Basic auto-categorization. No AI. Limited budgeting methodology.
For international users: Toshl is an interesting option if you primarily enter transactions manually and want the cheapest multi-currency tracking. The lack of EU bank connections despite being a European company is a significant gap for expats in Europe.
MoneyWiz
$4.99/mo or $49.99/yr
MoneyWiz is a cross-platform finance app (iOS, Android, Mac, Windows) that supports multiple currencies per account and uses Salt Edge for bank connections.5
Multi-currency depth: Each account can have its own currency. Exchange rates update for reporting. Salt Edge integration means bank connections in 50+ countries, including many European banks. Cross-platform availability means you can access your budget from any device.
What sets it apart: Broadest bank connection coverage through Salt Edge (5,000+ institutions in 50+ countries). Cross-platform availability. Reasonable pricing at $4.99/month.
Limitations: Known for buggy sync and inconsistent data. Dated UI. Complicated setup process. Basic auto-categorization. User reviews frequently mention reliability issues.6 The multi-currency features are there on paper, but the execution has room for improvement.
For international users: MoneyWiz validates the approach of using open banking providers for broad international bank coverage, but the execution is inconsistent. If you have tried MoneyWiz and found it frustrating, Borderless Budget offers similar international coverage with a more modern app experience.
Which multi-currency app should you choose?
For the best overall multi-currency experience
Borderless Budget or Lunch Money. Both are built from the ground up for multi-currency users. Borderless Budget adds AI features; Lunch Money is cheaper and supports crypto.
For multi-currency with long-range forecasting
PocketSmith. The calendar-based forecasting with multi-currency is unique. Expensive but powerful.
For the cheapest multi-currency tracking
Toshl Finance at $2.99/month if you are OK with manual transaction entry (limited bank connections). Lunch Money at ~$5/month if you want bank connections included. Borderless Budget's 30-day free trial to try it with full access before committing.
For the broadest bank connections
MoneyWiz offers the broadest coverage with bank connections in 50+ countries through Salt Edge. Borderless Budget covers the US, Canada, UK, and EU with a more modern experience.
For multi-currency with AI
Borderless Budget is the only multi-currency budgeting app with automatic categorization and AI budget generation. No other multi-currency app offers these features.
The state of multi-currency budgeting in 2026
Multi-currency budgeting is still underserved. The two biggest budgeting apps (YNAB and Monarch Money) do not support it. The apps that do support it are either expensive (PocketSmith), limited in bank connections (Toshl), inconsistent in execution (MoneyWiz), or lack AI features (Lunch Money).
That is exactly why we built Borderless Budget. We wanted to combine native multi-currency support, broad international bank connections, and intelligent automation into a single app at an accessible price. No one else was doing all three.
Whatever you choose, the most important thing is to find an app that matches how you actually manage money. If your life spans multiple currencies, your budgeting app should too.
Sources
- 1. PocketSmith is based in Dunedin, New Zealand. Multi-currency support includes daily exchange rate updates and multi-currency forecasting. Per pocketsmith.com, February 2026.
- 2. Lunch Money supports 160+ currencies including cryptocurrencies. Per lunchmoney.app feature documentation, February 2026.
- 3. YNAB requires one base currency per budget. Foreign currency transactions are converted at the import exchange rate. Per YNAB Help Center, February 2026.
- 4. Toshl Finance supports ~200 currencies and ~30 cryptocurrencies with hourly exchange rate updates. Bank connections available in the US and Canada on the Medici plan. Per toshl.com, February 2026.
- 5. MoneyWiz uses Salt Edge for bank connections in 50+ countries (5,000+ institutions). Priced at $4.99/month or $49.99/year. Per wiz.money, February 2026.
- 6. MoneyWiz user reviews on the App Store, Google Play, and community forums frequently cite sync issues, bugs, and inconsistent data as drawbacks.