A Multi-Currency Expense Tracker That Keeps Your History Honest

How multi-currency works in Balance

• One default currency. Budgets, reports and net worth are shown in the currency you choose — usually the one you're paid in.
• A currency per account. A EUR travel card, a JPY cash wallet and a USD savings account can sit side by side, each in its own currency.
• A rate saved on every transaction. When you log a transaction in another currency, Balance stores the exchange rate in force at that moment and converts back to your default currency with it.
• Rates you control. There's no live rate feed: you enter the rate in the account form or under Settings → Currency Settings → Exchange rates. That's what lets it work in airplane mode — and you can use the rate your card actually charged.
• Your decimal style. Use a period or a comma as the decimal separator, independent of the app's language.

Why locked historical rates matter

Many trackers convert every amount at today's rate. That means your past spending quietly changes value every time the market moves. Here's the difference with a simple example, using USD as the default currency:

• In March you spend €100 in Lisbon, when €1 = $1.10. Balance records it as $110.
• By June, €1 = $1.05, and you update the rate.
• Your March report still shows $110 — what the trip really cost. Only new transactions, and the current value of the EUR account in net worth, use the new rate.

A tracker that re-converts history would now show that same dinner as $105, and your March budget would look like you spent less than you did.

A net worth figure you can trust

Balance groups accounts into four types: Cash & Bank, Cards, Savings & Investments, and Foreign Currency. Accounts of the Foreign Currency type are kept out of net worth by default, so a leftover travel balance doesn't make your home-currency total look bigger than what you can actually spend. Include them whenever you want the full picture.

Who it's built for

• Travellers logging spending abroad without roaming. The step-by-step travel setup takes about five minutes.
• Expats and migrants with money in a home-country account and a local one.
• Freelancers and remote workers paid in one currency and spending in another.
• Anyone who reads right to left: Balance is fully localised in Arabic and Urdu with a mirrored interface, and available in 10 languages.

Questions

How many currencies does Balance support?

More than 150. Each account has its own currency, and budgets, reports and net worth are shown in your default currency.

Does Balance fetch live exchange rates?

No. You enter rates yourself, which keeps the app fully offline and lets you use the rate you were actually given.

Will my old reports change when the exchange rate changes?

No. Updating a rate only affects new transactions and the account's current value in net worth. Historical reports keep the rate each transaction was recorded with.

Do foreign-currency accounts count towards my net worth?

Not by default — accounts under the Foreign Currency type are excluded, and you can include them if you want to.

Is multi-currency a paid feature?

No. Multi-currency accounts are part of the free version, which has unlimited transactions and shows ads. Optional Premium removes ads and adds PDF report export. See the FAQ.