Track spending, add budgets if you want them
Every feature in Borderless Budget exists because we needed it ourselves. Built by an expat who tried every finance app and none of them worked across borders.
Spending Analytics
See where your money goes across every currency. Monthly breakdowns by category, month-over-month trends, and recurring charge detection, all without setting up a budget. Connect your accounts and get instant visibility.
Learn more about spending analyticsFebruary 2026
vs last monthDining Out
€180 + $45
Housing
€950
Groceries
€210 + £35
Multi-Currency Tracking
Track spending in USD, EUR, GBP, and more. See everything in your home currency, then toggle to original amounts on any transaction. Daily exchange rates keep conversions accurate.
Learn more about multi-currency trackingEntertainment
Automatic Categorization
Transactions are categorized as they sync from your banks. Create custom categories, merge them, or set up rules. Works across currencies and languages, a charge from a Spanish supermarket is categorized just as accurately as one from a US store.
Learn more about automatic categorizationDomino's Pizza
Yesterday • €18.50
Spotify Premium
Jan 15 • $9.99
TFL Journey
Jan 14 • £2.80
Budgets Built From Your Spending
Get budget recommendations based on what you actually spend. Choose your savings goal, aggressive, moderate, or maintain, and we'll suggest amounts for every category. Adjust anything, regenerate anytime.
Learn more about budgets built from your spendingYour savings goal
International Bank Connections
Connect bank accounts in the US, Canada, UK, and EU. All through secure, regulated connections. Your credentials never touch our servers.
Learn more about international bank connectionsConnect banks across 5 regions through secure open banking
Everything else you'd expect
Plus the details that make tracking and budgeting smooth
Daily exchange rates
Rates from central bank sources, updated every day. No stale data.
Custom categories
Create categories that match your life. Merge, rename, or reorganize anytime.
Monthly spending reports
See where your money goes each month, broken down by category and currency.
CSV export
Download your transactions and reports. Your data belongs to you.
AES-256 encryption
AES-256 encryption. We never store your bank credentials.
Multiple household members
Share a budget with your partner on the Pro plan. See combined spending across all accounts.
your budget shouldn't need a passport
See these features in action
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