Wealthos

    Compared and ranked

    The best multi-currency personal finance apps

    Almost every finance app claims multi-currency support. In practice it means one of three things: a real second currency held natively, a conversion applied at some rate, or a number you typed in yourself. That distinction decides whether your net worth is accurate or approximately right, so it is the thing this list is ranked on.

    Prices checked August 2026. We build one of the products on this list — see how the ranking was made below.

    How this list was made

    • Ranked on how each app handles more than one currency natively: whether the original currency is preserved, how often rates refresh, and whether reporting works in a base currency of your choosing.
    • Bank connectivity in the relevant regions counted second — a perfect converter is no use if it cannot read the account.
    • Investment and asset breadth counted third.
    • We build one of these; it is listed with its limitations alongside the rest.
    1. 01

      Wealthos

      That's us

      People earning in one European currency and holding savings in others, who want one honest total and a forecast on top.

      €7/mo or €63/yr; €45 one-time for the local desktop app

      Strengths

      • Balances held in their own currency and converted at live rates, with the original preserved underneath.
      • 3,000+ EU and UK banks via PSD2 Open Banking, so the underlying numbers are live.
      • A 10-year forecast in your home currency, with life events and scenario comparison.
      • 46 MCP tools for Claude and ChatGPT, read and write.

      Limitations

      • European focus — non-EU/UK accounts are manual.
      • No free tier.
      • Less investment analysis than Finary, fewer asset types than Kubera.

      The strongest fit if your currencies are European and you want the forecast as well as the total.

    2. 02

      PocketSmith

      Multi-currency users banking in the UK, US, Australia, New Zealand or Canada.

      Free tier; $119.88–$319.92/yr

      Strengths

      • Genuine native multi-currency with any base currency you choose.
      • Forecasting up to 30 years — deeper than anything else here.
      • A free tier and a long track record.

      Limitations

      • No automatic eurozone bank feeds.
      • Multi-country connections need the $199.92 tier.

      The best multi-currency implementation in this list, limited by where it can actually connect.

      Visit PocketSmith
    3. 03

      PopaDex

      Broad country coverage at the lowest price.

      Free tier; around €60/yr paid

      Strengths

      • Bank sync across 30+ countries.
      • Multi-currency automation on the paid tier.
      • Cheapest paid plan here, with a free tier to start.

      Limitations

      • No forecasting.
      • No AI or agent surface.

      The value pick, and a well-built one.

      Visit PopaDex
    4. 04

      Finary

      Multi-currency investment portfolios rather than daily banking.

      Free; Lite €54.99/yr; Plus €149.99/yr

      Strengths

      • 20,000+ bank and broker connections.
      • Fee and diversification analysis across a mixed-currency portfolio.
      • EU-based and GDPR-native.

      Limitations

      • No forecasting.
      • Key analysis sits in the top tier.

      Best if the multi-currency problem is mostly an investing problem.

      Visit Finary
    5. 05

      Kubera

      Multi-currency plus genuinely exotic assets.

      Around $249/yr, no free plan

      Strengths

      • Global exchange coverage and real-time valuation.
      • Crypto, DeFi, property, metals and domains alongside bank accounts.

      Limitations

      • The most expensive here.
      • No forecasting.
      • No free plan.

      Worth it for a complex balance sheet, overkill for a simple one.

      Visit Kubera

    The bottom line

    Where your accounts are matters more than any feature comparison: a perfect converter is no use if it cannot read the account. Start from that, then pick on what you want the numbers for.

    Wealthos
    For eurozone accounts, when you want the forecast as well as the total and the original currency preserved underneath.
    PocketSmith
    For any base currency you like and the longest projection here, if you bank in the UK, US, Australia, New Zealand or Canada.
    PopaDex
    For the widest country coverage at the lowest price, when you only need the number to be right.
    Finary
    For when the multi-currency problem is mostly an investing problem — mixed-currency portfolios, fees and allocation.
    Kubera
    For several currencies across several asset classes: crypto, property and metals alongside the bank accounts.

    Frequently Asked Questions

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    Try the one we build

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