Set and track savings goals across multiple countries and currencies. Whether you're saving for a home, relocation, or emergency fund — plan your finances across borders.
Once you sign up, your accounts, income, expenses, and goals update these numbers automatically.
The single most useful decision is denominating the goal in the currency you will spend it in. A deposit for a flat in Lisbon is a euro target even if you are earning sterling in London, because otherwise the finish line moves every time the rate does. Once the target currency is fixed, a move changes your income and your costs but not the goal itself: reset the monthly contribution to match the new salary and cost of living, and let the timeline move rather than the target. Keep the goal liquid if a relocation is plausible within two years, because market volatility and a fixed date are a poor combination.
Sources: ECB euro reference exchange rates
Manual monthly transfers are the ones people skip in an expensive month, and expensive months are common in the year after a move. Automate the contribution on payday so saving happens before discretion does. Within the euro area, SEPA credit transfers make standing orders across member states straightforward and cheap; between currencies, a scheduled transfer at a predictable spread beats ad-hoc conversions both on cost and on discipline. Under PSD2 you can also connect accounts across the EEA to a single tracker, which matters here because expat savings are usually spread across more accounts than the saver realises, and an untracked account is one that quietly stops growing.
Sources: European Commission — PSD2
The usual three-to-six-month guidance assumes losing a job is a single problem. Abroad it rarely is. Redundancy can arrive alongside visa expiry, the cost of returning home, a deposit on new housing in a new country, and a gap in healthcare cover while entitlement transfers. Six to twelve months of expenses is the more realistic range, held liquid and in the currency you spend day to day. Bank deposits across the EU are protected up to €100,000 per depositor per institution under the deposit guarantee directive, so spreading a large buffer across institutions is worth doing if it exceeds that. Keep it boring and reachable, not invested.
Months to goal = (Target − Current savings) ÷ Monthly contribution
The projection is simple arithmetic with one complication: the target and the savings must be in the same currency before you subtract one from the other. Interest is added month by month on the running balance, so a higher rate shortens the timeline slightly. Everything is measured in the currency you will actually spend the money in.
Katya is saving for a €25,000 deposit in Warsaw while earning in euros in Vienna. She has €9,000 saved and adds €700 a month. At 3% interest she reaches the target in about twenty-two months. Holding the savings in euros rather than złoty means the Polish target moves with the rate, so she tracks it in złoty instead.
Denominate the goal in the currency you will spend. A euro target funded by sterling savings has a moving finish line.
Expat emergency funds should run larger than the usual three months. Repatriation, visa costs and a job loss that also ends your right to remain all land at once.
Automate the transfer on payday. Deliberate monthly transfers across currencies are the ones people skip in an expensive month.
Consolidate stale accounts from countries you have left. Dormant balances in three countries are the most commonly forgotten savings anyone has.
If a move is likely within a year, keep the goal liquid. Investment volatility and a forced timeline are a poor combination.
This projects from numbers you typed. Wealthos connects to banks across the EEA, so progress toward the goal updates on its own no matter how many countries your savings sit in.
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If the goal is a wedding, the savings number is just one part. Use our free interactive Wedding Budget Planner to break down every cost — venue, catering, rings, attire — and see exactly how much to save each month.
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