Resources
A budget app that handles multiple currencies properly
Spending in more than one currency is hard to total: a euro grocery bill, a dollar subscription and a zloty rent payment do not add up on their own. Home Budget Analytics keeps each transaction in the currency it happened in and shows your totals in one home currency of your choice, so months with mixed currencies still produce one clear number.
Original amounts stay, totals follow your home currency
Nothing is overwritten on import. A 42.50 charge in CHF stays a 42.50 charge in CHF, so you can always match a line in the app against your bank statement. Separately, you pick a home currency, and the app converts every amount into it for categories, trends, budgets and goals.
The conversion uses the exchange rate for the date of the transaction, not today's rate. A purchase from March is valued at the March rate, so last quarter's totals do not drift every time the market moves.
How currencies are handled
| Situation | What happens |
|---|---|
| Transaction in a foreign currency | It is stored in its original currency and also converted to your home currency. |
| Which rate is used | The historical rate for the transaction's date, from the Frankfurter rate service. Rates are cached. |
| You change your home currency | All of your history is recalculated in the new currency. |
| Money moved between your own accounts | Detected as a transfer and excluded from spending. |
| No rate available for a currency pair | That amount is left out of the home-currency totals rather than guessed. |
A practical example
Say your home currency is GBP, you live in the UK, and you also keep a euro account for trips and a dollar card for online services. Statements from all three go into the same place. Dining out in Lisbon, a US software subscription and a UK electricity bill land in their own categories, each valued in pounds at the rate for its own date.
If you later move and decide to think in euros, you change the home currency once. Every earlier month is recalculated, so comparisons between years still make sense.
Getting the currency right at import
The totals are only as good as the currency attached to each transaction, so it is worth knowing how each format supplies it.
- OFX and QFX files must declare a currency. If one does not, the import is refused with a message rather than guessed.
- CAMT.053 XML carries the currency per entry, so statements with mixed currencies import correctly.
- For CSV, the mapping screen lets you pick a single currency code or a column that holds one for each row.
- QIF files have no currency field, so every transaction is tagged USD. For an account in any other currency, use OFX, CAMT.053 or CSV instead. The [supported formats](/bank-formats) page lists the options by bank.
- Only a currency pair and a date are sent to the rate service. Your transactions are not.
Common questions
Does the app show live exchange rates?
No. It is not a currency tool. It values each transaction at the historical rate for its own date, which is what you need to understand what the spending cost you.
Can I change my home currency later?
Yes. Changing it recalculates all of your history, and original currencies stay as they were.
What happens when I move money between my accounts?
A transfer between your own accounts is detected and excluded from spending, so moving money from your euro account to your dollar account is not counted as spending.
Does the exchange rate service see my transactions?
No. The request contains only a currency pair and a date. No amounts, merchants or personal data are included.
One home currency for every account
Upload statements in any mix of currencies and read your spending in one - 14 days free, no card required.
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