Resources
A budgeting app for expats and people with accounts in several countries
If you have lived or worked in more than one country, your money is probably spread over banks that share almost nothing: different apps, different file formats, different currencies. Home Budget Analytics takes the statements from each of them and puts them in one budget, with totals in the currency you think in.
The usual mess of cross-border money
A salary in one currency, rent in another, a savings account back home and a card you keep for travel: no single bank app shows all of it, and adding it up by hand means converting, matching dates and remembering which moves were just you shifting money around.
Because Home Budget Analytics reads statement files, it does not need any of your banks to be supported by a connection service. If a bank lets you download a statement in a format the app reads, it works, wherever the bank is.
What each bank typically gives you
| Where | File to download | Notes |
|---|---|---|
| US and Canada | QFX or OFX | Common at large banks. Recognized on upload; the file must declare a currency. |
| Europe and UK | CAMT.053 (XML) or OFX | CAMT.053 is common at European banks. Currency is read per entry. |
| Germany | PDF from Sparkasse | Read directly. Other German banks: CAMT.053 or CSV. |
| Canada | PDF from Scotiabank | Read directly. |
| Spain | PDF or Excel from Santander | Read directly. |
| Ukraine | PDF or Excel from Monobank; Excel from PrivatBank | Monobank CSV layouts are also recognized. |
| Any other bank | CSV | A mapping screen lets you pick date, description, amount and currency, and you can save the mapping under a name for next time. |
Guides for specific banks
- United States: [Chase](/chase), [Bank of America](/bank-of-america) and [Wells Fargo](/wells-fargo) offer QFX or OFX downloads.
- Germany: [Sparkasse](/sparkasse) statements in PDF.
- Canada: [Scotiabank](/scotiabank) statements in PDF.
- Spain: [Santander](/es/santander).
- Ukraine: [Monobank](/uk/monobank) and [PrivatBank](/uk/privatbank).
One home currency, and no double counting
Every transaction keeps the currency it happened in. You choose a home currency, and each amount is converted at the exchange rate for its own date, so a month with euro, dollar and hryvnia spending adds up in one figure. If you relocate and change your home currency, history is recalculated.
The other classic expat problem is moving money between your own accounts, such as sending part of a salary to a savings account at home. The app detects transfers between your own accounts and leaves them out of spending, so they do not inflate your totals. You can add several accounts per bank, too.
The interface itself is available in nine languages: English, Russian, Ukrainian, Spanish, German, French, Portuguese, Dutch and Polish.
Common questions
Do I need to set up each bank separately?
Banks that provide OFX or CAMT.053 files need no setup. For a CSV, you map the columns once and can save that mapping under a name, then pick it from a list the next time. The mapping screen still appears each time.
What if one of my banks is not supported?
Look for a CSV, OFX or CAMT.053 download first, since those work for any bank. If a file cannot be read, you can choose to send it for bank support; it is usually added within 24 hours of upload, though that is not guaranteed.
Will moving money between my accounts count as spending?
No. Transfers between your own accounts are detected and excluded from spending.
Can I use it in my own language?
The interface is available in English, Russian, Ukrainian, Spanish, German, French, Portuguese, Dutch and Polish.
Bring all your accounts into one view
Upload a statement from each bank and see everything in your home currency - 14 days free, no card required.
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