The Multi-Currency Budget App
For Life Across Borders
Earn in one currency, spend in another, send money home in a third? Spend Split tracks expenses, budgets, and money sent to family in 150+ currencies — without a single bank login.
Try Free for 1 MonthAvailable on the App Store · Android coming soon
Most budget apps assume your whole life happens in one country
They're built around bank syncing in one market — so the moment you earn in dirhams, pay rent in dollars, or send rupees home, things break. YNAB and Monarch offer limited multi-currency support, and PocketGuard has none. So millions of people manage cross-border money in spreadsheets.
Spend Split is currency-aware from the ground up: pick your home currency, track spending in whatever currency life throws at you, and keep budgets that actually make sense.
150+ currencies
USD to PKR, EUR to PHP — searchable list, every major and most minor currencies.
Your home currency
Set it once during onboarding — your budgets and insights stay anchored to it.
Money sent home, tracked
Record family support as expenses — or as loans with due dates and repayments in the lending tracker.
No bank logins
Manual-first entry works in any country, with any bank — your credentials stay yours.
Built for people living between currencies
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Overseas workers
Earn in AED, USD, or SAR while supporting family back home — track both sides of your financial life in one app.
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Students abroad
Budget your semester in a new currency while keeping your home accounts straight — and track what you owe the folks.
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Travellers & nomads
Spend in baht on Monday and pesos on Friday. Every expense lands in the right currency, every time.
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Cross-border freelancers
Invoice in dollars, spend in your local currency, and actually understand where the money goes.
Still running a multi-currency budget spreadsheet?
Respect — keeping a multi-currency budget template alive takes discipline. But spreadsheets don't come with you to the grocery store, don't suggest categories, don't store receipt photos, and definitely don't remind your cousin about that loan. Spend Split does all of that for less than a coffee a month, and the free plan lets you try the workflow before spending anything.
Start with the 50/30/20 calculator to set your numbers, then let the app keep them on track.
Multi-currency FAQs
Which currencies does Spend Split support?
Spend Split supports 150+ currencies — from USD, EUR, and GBP to AED, PKR, PHP, INR, and beyond. You pick your home currency during onboarding from a searchable list, and you can record spending in any currency you encounter.
Why do most budget apps struggle with multiple currencies?
Most budgeting apps are built around bank syncing in one country, so foreign-currency spending either breaks the sync or gets mangled. YNAB and Monarch have limited multi-currency support, and PocketGuard has none. Spend Split is manual-first and currency-aware by design, so any currency just works.
Is Spend Split good for expats and overseas workers?
That’s exactly who it’s built for. If you earn in one currency and support family in another, Spend Split tracks your spending, budgets, and the money you’ve sent or lent to family — all in one place, for $3.99/month after a 1-month free trial.
Can I track money I send home to family?
Yes — this is Spend Split’s signature feature. Record money sent to family as expenses, or use the built-in lending tracker when it’s a loan: due dates, partial repayments, and a full history of who you’ve helped and when.
Do I need to connect my bank account?
No. Spend Split uses fast manual entry with a built-in calculator and smart category suggestions — no bank logins, which also means it works in any country regardless of local banking systems.
One app for both sides of your life
Try all Premium features free for 1 month. No credit card required.
Download Spend SplitRelated: IOU & Lending Tracker · Free Tools · Pricing