Built for expats who budget in two currencies
You're an American living in Spain. Your salary hits your US account in dollars. Your rent comes out of your Spanish account in euros. Your budgeting app only understands one of these. We built Borderless Budget because we lived this exact problem.
Sound familiar?
If you've moved abroad, you already know: managing money across two countries is harder than it should be.
Your money lives in two countries, your budgeting app doesn't
You have a checking account in the US and a current account in Spain. But YNAB, Monarch, and most budgeting apps force you to pick one currency per budget. So you're either ignoring half your finances or running two separate apps.
Exchange rates silently reshape your budget
You budgeted $2,000 for rent. But your rent is €1,800, and last month that was $1,960. This month it's $2,040. Your spending didn't change. The exchange rate did. Most apps don't even notice.
You can't see your full financial picture
How much are you actually saving each month? When your salary is in dollars, your rent is in euros, and your savings are split between two countries, the answer isn't obvious. It shouldn't require a spreadsheet.
Connecting international banks is a nightmare
Most US budgeting apps can't connect to European banks. Most European finance apps can't connect to US banks. You end up manually entering transactions or just giving up.
Your categories don't translate across countries
"Groceries" in the US and "Mercadona" in Spain are the same category, but your app doesn't know that. You end up with a mess of uncategorized transactions every time you cross a border.
How Borderless Budget solves this
We built Borderless Budget as expats, for expats. Every feature starts with the question: does this work when your money spans two countries?
Connect banks in both countries
Link your US, Canadian, UK, or EU bank accounts. See your Chase checking and your CaixaBank account side by side. No more toggling between banking apps.
Budget in every currency you use
Set your grocery budget in euros and your student loan payment in dollars. Borderless Budget handles each currency natively. When you want the big picture, we show your totals in your home currency using daily exchange rates.
Watch exchange rate impact in real time
We update exchange rates daily, so your budget reflects what your money is actually worth today. When the dollar weakens against the euro, you'll see that reflected in your spending totals. No surprises at the end of the month.
Transactions categorized automatically
Categorization works in any language and any currency. That €47.50 charge from Mercadona goes straight to Groceries. The $14.99 Netflix charge goes to Subscriptions. You don't need to sort through it manually.
One clear view of your savings
See exactly how much you're saving each month across all your accounts and currencies. Borderless Budget converts everything to your home currency so you can answer the question that actually matters: am I on track?
Everything expats need to budget with confidence
- Connect bank accounts in the US, Canada, UK, and EU
- Budget categories that work across currencies
- Daily exchange rates from central bank sources
- Automatic transaction categorization in any language
- Budget recommendations based on your actual spending
- See total spending and savings in your home currency
- Track spending by country or by currency
- Export your data to CSV anytime
"I moved from the US to Spain in 2023 and couldn't find a single budgeting app that could handle both my American and Spanish bank accounts. I tried YNAB, PocketSmith, spreadsheets, all of it. So I built Borderless Budget. It's the app I wish existed when I first landed in Barcelona."
Patrick Berkeley, Founder
Learn more
Expat Personal Finance: The Definitive Guide , Banking, taxes, budgeting, insurance, and investing for people living abroad.
7 Budgeting Mistakes Expats Make (and How to Fix Them) , The most common pitfalls and how to avoid them.
Common questions from expats
your budget shouldn't need a passport
Budget across borders, not around them
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