A US budgeting app that handles money abroad
EasyFin connects to US banks through Plaid and, unlike the US-focused apps it competes with, holds accounts in currencies other than the dollar. If you are paid from abroad, hold a foreign account, or spend months outside the country, EasyFin converts each transaction at the rate from its own date rather than reporting everything as dollars. The free plan covers 3 accounts and 300 transactions a month.
Key takeaways
- Automatic bank sync is live in the US through Plaid, covering 12,000+ institutions.
- Every major US budgeting app — YNAB, Monarch, Copilot, Simplifi, Empower — reports in a single currency with no conversion.
- A foreign purchase on a US card reaches those apps already converted by the card issuer, with the original amount and currency lost.
- EasyFin records what you actually paid, in the currency you paid it, and stores that date's rate.
Do US budgeting apps support foreign currencies?
Almost none of them. YNAB fixes one currency per plan and never converts. Monarch stores an unmarked number and states plainly that it does not differentiate between currencies. Copilot supports US dollars only and connects only to US institutions. Empower reports in dollars with no base-currency setting. Quicken Simplifi holds Canadian and US dollar accounts side by side without converting between them. The market is built on the assumption that money is denominated in one currency, which holds for most US households and fails completely for the rest.
What happens to a foreign purchase on a US card?
Your card issuer converts it and reports a dollar figure. An app with no currency layer records that figure, and the original amount and currency are gone — you cannot reconcile the transaction against a foreign statement, and you cannot see what the purchase actually cost in local terms. EasyFin records the original amount and currency alongside the converted figure, using the exchange rate stored for that date.
Who is this actually for?
US residents paid partly from abroad, people holding an account in another country, dual citizens, long-stay travellers, and anyone whose net worth is not entirely dollar-denominated. If all of your money is in US dollars and stays there, EasyFin's central advantage does not apply to you, and Copilot or Monarch are more polished products for that case.
Frequently asked questions
- Which US budgeting apps support multiple currencies?
- Almost none. YNAB, Monarch, Copilot, Quicken Simplifi, Empower and Rocket Money all report in a single currency with no conversion. EasyFin, PocketSmith, Toshl, Lunch Money and Kubera handle multiple currencies.
- Can I connect my US bank to EasyFin?
- Yes. US institutions connect through Plaid, covering more than 12,000 banks and credit unions. Automatic sync is on the Pro plan at $10 a month or $90 a year.
- Is EasyFin worth it if all my money is in dollars?
- Probably not for the currency handling, which is its main advantage. Voice expense entry, free budget rollover and the free plan still apply, but Copilot and Monarch are more polished products for a purely dollar-denominated household.
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Three accounts and 300 transactions a month, free forever. No card required.
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