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Multi-currency budgeting apps compared: YNAB, Monarch, Lunch Money and more

By Vlad, creator of Consistent

· 6 min read

If your money is in more than one currency, most budgeting apps quietly assume it isn’t. I compared eight apps on what matters then: how they handle several currencies, whether they need your bank login, whether they work offline, and what they cost. I make one of them, Consistent, so every claim about the others comes from their own websites and help pages, listed at the end and read on 23 October 2026.

The comparison at a glance

Eight budgeting apps, as their own pages describe them (23 October 2026)
AppSeveral currenciesBank loginWorks offlinePrice
YNABOne currency per plan; it suggests a separate plan for each currencyOptional: file import on the web and iPad, or typingPlans downloaded to a phone open offline$14.99 a month or $109 a year
MonarchNo: shows every amount with $ and doesn’t convert; it suggests USD or CAD accounts onlyOptional: manual accountsNot stated$14.99 a month or $99.99 a year
CopilotNo: USD only, foreign amounts not convertedOptional: manual accounts; bank sync covers US institutions onlyNot stated$13 a month or $95 a year (US App Store)
Lunch MoneyYes: 160+ currencies, each transaction at its own day’s rateOptional: manual accounts with CSV importNot statedPay what you want, yearly from $60
Actual BudgetNot yet: its docs say it doesn’t support several currenciesOptional: bank sync through a provider you set upYes: a local appFree and open source; a server is yours to run or rent
ToshlYes: nearly 200 currenciesOptional: bank sync only in the Medici planNot statedFree plan; Pro $2.99 a month, Medici $4.99 a month (US App Store)
SpendeeYes (how amounts are converted: not stated)Optional: bank sync with 2,500+ providersNot statedFree plan; Plus $1.99 a month, Premium $5.99 a month
ConsistentYes: 150+ currencies, each transaction at its own day’s rateNever asked for: statement import, Apple Pay on iOS 27, or typingYes: your data lives on your deviceCore free forever, no ads

“Not stated” means I couldn’t find the answer on the product’s own pages, so I didn’t guess. Prices are what those pages showed, in US dollars; some differ by country, and most have a yearly price too.

What “several currencies” really means

Almost any app lets you type a currency symbol. What matters is whether one budget can hold a euro account and a dollar account and add them up correctly, converting each amount at the rate of its own day, so that last month’s total doesn’t change when today’s rate does.

App by app

YNAB is built around a budgeting method of its own: the app is organised around asking what every amount of money is for, and there’s a directory of YNAB coaches if you want help. It connects to banks or imports CSV, OFX, QFX and QIF files. For several currencies, its help centre recommends a separate plan for each currency, with a “Currency Transfer” category in both. That works, but you never see one total.

Monarch is built for connecting many accounts automatically: it says it supports more than 13,000 financial institutions through its data providers, and you can add manual accounts too. Its help centre is clear about currencies: it shows every amount with a $ sign, doesn’t convert, recommends connecting only USD or CAD accounts, and has no plans to expand currency support in the near future.

Copilot focuses on automatic tracking for people in the US. Its help centre says it supports only US financial institutions and only USD, and doesn’t convert transactions in other currencies; you can correct an amount by hand. Manual accounts exist if you don’t want to connect one.

Lunch Money is the app here that syncs with banks and also adds several currencies up properly: more than 160 currencies, a primary currency for totals, and each transaction converted at the rate of its own date. Bank sync is optional, and manually managed accounts take CSV imports. The yearly plan is pay what you want, with a minimum of $60 since March 2026.

Actual Budget is free, open source and local-first: it works without a network connection, and you can run it on your own computer or server, or pay a host. Bank sync is optional, through providers you set up with your own credentials. Its documentation says it doesn’t support several currencies yet, and that people are working on it.

Toshl supports nearly 200 currencies, runs on Android, iOS and the web, and imports files on every plan. Automatic bank sync comes only with its Medici plan; the free plan allows two accounts and two budgets.

Spendee supports several currencies and shared wallets for couples and families, and connects to more than 2,500 bank providers. Its free plan has one cash wallet and one budget.

Consistent is the one I make. It handles more than 150 currencies, each transaction converted at the rate of its own day and balances at today’s, and it never asks for your bank login: you import a CSV from any bank (or a PDF statement from MAIB), Apple Pay payments at a till can add themselves on iOS 27, and the rest you type. Your data lives on your device, so it works offline and syncs when you’re back. The core is free and will stay free, with no ads, and your data is never sold.

Where it’s weaker: nothing arrives from your bank by itself, so you import a file now and then. It has monthly category budgets, not a full budgeting method like YNAB’s. It runs in the browser and installs to your home screen rather than coming from an app store. And it’s young.

Which one fits you

  • You live in the US, use only dollars and want everything to arrive by itself: Monarch or Copilot.
  • You want a proven budgeting method and one currency is enough, or a plan per currency is fine: YNAB.
  • You want automatic bank sync and real multi-currency totals: Lunch Money.
  • You want free, open source software you can host yourself, in one currency: Actual Budget.
  • You want every currency in one picture, without a bank login, working offline: Consistent.

Sources