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Best multi-currency apps, with a pick and a pass
The best multi-currency apps are not one product. Each app below has a pick-it-if line and a not-if line, using prices and limits checked on 20 October 2026. Iron Wealth is the free phone option: manual entry or import first, 3 accounts in the free core, iOS and Android, and not a bank. The Pro price is shown in the stores.
Side by side
| Feature | Iron Wealth | Typical single-currency app |
|---|---|---|
| Currencies | More than one currency in one net worth | One currency per budget, USD only, or USD or CAD accounts |
| Phone budgets | Yes. Free core includes 3 accounts. | Spreadsheets have no phone budgets. Kubera has no budgets. |
| Price | Pro price is shown in the stores | Listed under each app. No blended price. |
| Android | iOS and Android | Copilot has no Android app. Other store lists are not invented here. |
| Bank | Manual entry or import first. Not a bank. | Not one fact for every app. Read the section. |
Facts checked 20 October 2026
Iron Wealth
Pick it if you want a free phone app on iOS and Android, with manual entry or import first, mobile money, and no bank login. The free core includes 3 accounts. It is not a bank. The Pro price is shown in the stores. Not if you want web forecasting as the main tool, or you need a bank to fill the ledger for you.
Kubera
Pick it if you want a tool positioned at expats and investors, at about $250 a year, and you do not need budgets. Not if you want budgets, or you want to start without that yearly price.
Monarch Money
Pick it if you are in the US or Canada and you want an app that recommends USD or CAD accounts. Not if you want a global multi-currency net worth app. This page does not quote a Monarch price.
YNAB
Pick it if you want one currency per budget and about $109 a year fits that method. Not if you need more than one currency inside a single budget.
Copilot
Pick it if you want USD only, you do not need an Android app, and about $95 a year fits. Not if you need Android or a currency other than USD.
PocketSmith
Pick it if you want web forecasting. PocketSmith starts around $9.99 a month and is a forecasting budget app. Not if you want a free phone app with mobile money and no bank login.
Wallet by BudgetBakers
Pick it if you want a multi-currency budget app at about $29.99 a year or about $49.99 lifetime. Not if you want to start on a free core of 3 accounts and read any further price in the store.
Spendee
Pick it if Spendee's yearly price, about $14.99 to $35.99, is the product you want. Not if you need this page to claim a Spendee currency model or feature list. Those were not part of the facts checked on 20 October 2026.
Questions
- Which app is best?
- The one whose pick-it-if line matches the job. A USD-only iOS app, a forecasting site, and a free phone ledger are different products.
- When were these prices checked?
- 20 October 2026. Prices change. Verify on each company's site or store listing before you pay.
- Does Iron Wealth quote a Pro price here?
- No. The Pro price is shown in the App Store and Google Play.
Use the pick-it-if line, then check the live price. Iron Wealth is the free start on iOS and Android when you will enter or import the balances yourself.
Comparison for general information, based on publicly available product positioning. Competitor names are trademarks of their owners; Iron Wealth is not affiliated with them. Features and pricing change; verify on official sites. Not financial advice.
