Any currency, one total
Hold accounts in any currency. Budgie refreshes exchange rates in the background so your dashboards always show in your home currency.
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- Free, no account
- Works offline
- Source-available
Many currencies, one number
One screen carries both: a total in the currency you picked, and the accounts underneath still holding whatever they hold.
One total, your base currency
The figure at the top adds every account together and reports it in the base currency you set in Settings. Pick a different base and the same accounts produce a different number.
Groups convert as they sum
Bank and Cash each carry their own subtotal, converted the same way. A euro card can sit in the same group as a dollar card and still roll into one figure.
The accounts never convert
Each card shows the balance in the currency that account is held in. Budgie stores the money as it is and derives the converted figures on top, using the most recent rate it fetched and kept on your device.
- Every account, added up once
- Group subtotal, already converted
- Held in its own currency
Built for more than one currency
account kept in its own currencyBalances stay as they are. Converted totals sit on top.
minutes at most between rate refreshesBudgie waits at least five minutes before asking again.
accounts or keys needed for ratesRates come from public sources your phone reaches directly.
Read each card in its own money
One screen shows the converted subtotal and the original balances.
- Group subtotal, already converted
- A dollar card in the group
- A euro card below it
What you get
Every account in its own currency
Each account holds a fixed native currency — fiat, crypto, or otherwise
One total in your base currency
Home and analytics screens convert to your base currency automatically
Transfers keep both amounts
Cross-currency transfers keep both amounts and the exchange rate at transfer time
Everything included
- The newest rate for every currency pair is stored on your device
- Totals are converted with the most recent rate Budgie fetched
The details
For when you want to know exactly how it behaves.
Why a single-currency app can't model real life
Single-currency apps can't model how most people actually save and spend — a UK current account, a USD savings account, a UAH salary. Budgie tracks each in its native currency and converts to your base when summing.
Exchange rates refresh in the background and are stored on your device. Nothing is converted in place: every account, transaction, and transfer keeps its original currency and amount, and the base-currency figure is derived on top of it.
Questions
How often do exchange rates refresh?
In the background, at intervals your phone's operating system chooses, and again whenever the app syncs — but never more than once every five minutes. The newest rate for each currency pair replaces the one held on your device.
Where do the rates come from?
Budgie fetches currency rates and crypto prices automatically over the internet. There is no account to create and no key to paste in.
Can I see the original currency?
Yes — each account, transaction, and transfer keeps its original currency and amount, and that is what you see on the account and transaction screens. Only the aggregated totals are shown in your base currency.
What happens during a cross-currency transfer?
Both amounts are kept (e.g. $1000 → €925) along with the exchange rate at transfer time. See Account Transfers for details.
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