Two households, two currencies, one budget
Your family is split between London and Lagos, or New York and Manila. You're budgeting for two households, two currencies, and two very different costs of living. Borderless Budget brings it all together.
When your family spans borders, so do your finances
International families face budgeting challenges that most apps were never designed to handle.
You're budgeting for two households in two currencies
Your family is split between London and Lagos, or New York and Manila. You're covering rent, utilities, and groceries in two countries with two completely different costs of living. Most budgeting apps can barely handle one household.
Regular money transfers eat into your budget
You send £500 to family in Nigeria every month, or $800 to parents in the Philippines. That money disappears from your account in one currency and arrives in another. Your budgeting app sees a withdrawal but has no idea it's a recurring family expense.
You can't see your family's full financial picture
Between your accounts, your partner's accounts, and the family you support abroad, your money is scattered across countries and currencies. How much is your family actually spending each month? How much are you saving? The answer lives in a spreadsheet at best.
Exchange rate changes affect what your family receives
You budget $800/month to send home. But with exchange rate fluctuations, that $800 buys different amounts of local currency each month. Your family's purchasing power changes even when you send the same dollar amount. Nobody's tracking this.
Multiple family members need to see the budget
You need to coordinate finances with a partner, or share visibility with family members in another country. But most budgeting apps are designed for one person with one set of accounts in one country.
How Borderless Budget works for families
We built Borderless Budget for people whose money crosses borders. That includes families who support each other across countries.
One budget for your whole family, wherever they are
Set up budget categories for both households. Rent in London and rent in Lagos. Groceries in pounds and groceries in naira. When you want to see the total, we convert it all to your preferred currency.
Track family transfers as a budget category
Money you send to family is a real, recurring expense. Borderless Budget lets you categorize it properly. You can track how much you send each month and see the converted amount in your home currency using daily ECB mid-market rates.
See what exchange rates mean for your family
We update exchange rates daily from central bank sources. So when the pound drops against the naira, you'll see exactly how that affects your family's purchasing power. You can make informed decisions about when and how much to send.
Connect accounts from multiple countries
Link bank accounts in the US, Canada, UK, and EU. See your London account and your family's account side by side. No more checking multiple banking apps or waiting for confirmation that a transfer arrived.
Share access with household members
The Pro plan supports multiple household members. Your partner can see the same budget, add their accounts, and track their spending. Everyone stays on the same page without sharing login credentials or passing around a spreadsheet.
Built for families who live across borders
- Connect bank accounts across the US, Canada, UK, and EU
- Budget for multiple households in different currencies
- Track family remittances as a budget category
- Daily exchange rates from central bank sources
- Multiple household members on the Pro plan
- AI categorization across languages and currencies
- See total family spending in your preferred currency
- Export data for family financial planning
Example: family between New York and Manila
Maria lives in New York and sends $700/month to her parents in Manila. She also covers their health insurance ($120/month) and sends extra for holidays and emergencies. In total, she supports two households with two budgets in two currencies.
With Borderless Budget, Maria tracks her New York expenses in dollars and her family's expenses in Philippine pesos. She can see that she sent \u20B140,000 this month (about $710 at today's rate), that her total family support costs $830/month on average, and that she's saving $1,200/month after everything.
All in one app, updated daily.
Common questions from international families
your budget shouldn't need a passport
One budget for your whole family
Track spending across every household and every currency. 30-day free trial.
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