Question 1

How does the 30-day free trial work?

Accepted Answer

You get full access to all Plus features for 30 days, no credit card required. Connect up to 3 bank accounts, try AI categorization, and set up multi-currency budgets. When the trial ends, pick the plan that fits.

Question 2

What happens when my trial ends?

Accepted Answer

You choose a plan to continue. Your data, categories, and budgets stay exactly where they are. If you need more time to decide, reach out, we're happy to extend your trial.

Question 3

Is there a yearly discount?

Accepted Answer

Yes. Pay annually and save about 17%. Plus is $99/year ($8.25/month) instead of $10/month. Pro is $149/year ($12.42/month) instead of $15/month. You can switch between monthly and annual billing anytime.

Question 4

Can I cancel anytime?

Accepted Answer

Yes. No contracts, no cancellation fees. If you cancel, you keep access through the end of your billing period. Your data stays safe, nothing gets deleted.

Question 5

Do I need Plus or Pro for multi-currency?

Accepted Answer

Both plans support full multi-currency budgeting, seeing totals in your home currency, tracking categories across currencies, and automatic exchange rate updates. Plus ($10/mo, or $99/year) covers most expats with up to 3 accounts. Pro ($15/mo, or $149/year) gives you 10 accounts for more complex setups.

Question 6

How does Borderless Budget compare to PocketSmith pricing?

Accepted Answer

PocketSmith's multi-currency features require their Premium ($19.95/mo) or Super ($39.95/mo) plans. Borderless Budget offers full multi-currency budgeting on the Plus plan at $10/mo, about half the price. Both connect to international banks, but we also include automatic categorization and budget recommendations based on your spending.

Question 7

What payment methods do you accept?

Accepted Answer

We accept all major credit and debit cards, including Visa, Mastercard, and American Express. All prices are in USD, regardless of where you live.

Question 8

What's the difference between Plus and Pro?

Accepted Answer

Plus gives you 3 connected accounts, AI categorization, and multi-currency budgeting, enough for most expats with accounts in two countries. Pro gives you 10 connected accounts, multiple household members, advanced reporting with monthly and yearly trends, recurring transaction rules, API access, and priority support. It's built for digital nomads and frequent travelers managing finances across many countries.

Feature	Borderless Budget	PocketSmith	YNAB
Multi-currency budgeting	From $8.25/mo (annual)	From $19.95/mo	Not supported
International bank connections	US, CA, UK, EU	US, UK, CA, AU, NZ	US, EU, UK
AI categorization	Included	Not available	Not available
AI budget recommendations	Included	Not available	Not available
Free trial	30 days (full access)	Yes (manual only)	34-day trial only
Full-featured plan	$12.42/mo (annual)	$39.95/mo	$9.08/mo (annual)

Simple pricing, no surprises

Multi-currency on every plan

How we compare

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