Choose a base
Pick the currency you use to understand the month, such as AMD, USD, or EUR.
Many currencies. One clear month.
Monetor is an iPhone expense tracker for people who spend in more than one currency and do not want a traditional bank connection. Each purchase stays in the currency that moved, such as AMD, USD, or EUR, and a base currency makes monthly totals readable together. Eligible Apple Pay purchases can arrive through a Wallet automation and a Shortcut you install. The Apple Pay spending guide covers that setup and its limits. Receipts and amounts you enter use the same ledger. It is for salary, travel, and subscriptions that do not share one currency.
The model
Original amounts stay meaningful.
A €24 meal remains a €24 meal. Monetor can also express it in your base currency so monthly totals make sense without flattening the original record.
Record the real currency
Keep each transaction and wallet associated with the currency it uses.
Compare in context
Exchange-rate-aware values help bring spending and savings into one readable view.
How it works
A budget that crosses borders.
The base currency is a lens for totals, not a rewrite of every transaction.
- 01
Set the planning currency
Choose the base currency that makes income, budgets, and progress easiest to read in your current life.
- 02
Add money as it moved
Capture the purchase, wallet, or savings goal in its original currency instead of converting it in your head.
- 03
Read the combined view
Monetor uses refreshed exchange-rate data for approximate base-currency totals across the dashboard and analytics.
Salary here. Subscription there. Goal somewhere else.
Multi-currency tracking is useful when your income, daily purchases, travel, online subscriptions, or family obligations do not all speak the same currency. Those currencies can share one finance app without bank connection.
The spending guides show the capture routine, including Wallet Shortcuts and receipt scans. The YNAB comparison explains how a plan that cannot mix currencies differs from keeping each purchase in its own currency. For a worked three-currency month, read how to budget across AMD, USD, and EUR.
- Everyday spending across local and foreign currencies
- Savings goals funded from more than one currency
- Several wallets that need a common planning view
Questions about several currencies.
Can I track spending in more than one currency?
Yes. Each transaction keeps the currency you record, including AMD, USD, and EUR. A base currency you choose makes monthly totals readable together, and the original amount stays on the record.
How does currency conversion work?
Monetor uses refreshed exchange-rate data to show approximate totals in your base currency. Those figures are for planning. They are not your card's settlement rate, and they are not a bank, tax, or brokerage valuation.
Do I need a bank connection to track a foreign purchase?
No. A traditional bank connection is not required. Eligible Apple Pay purchases can be sent by a Wallet automation and a Shortcut you install. You can also scan a receipt or enter the amount in the currency that moved.
Does an Apple Pay purchase keep its currency?
When iOS supplies it, the Shortcut can include the purchase currency with the amount and merchant. Check that currency on the new record. The automation does not capture every Apple Pay tap.
Who is multi-currency tracking for?
People whose salary, travel, subscriptions, or family obligations do not share one currency, and who want one iPhone expense ledger without a traditional bank connection.
Feed the budget without a bank login.
Budget the life you actually live.
Join Monetor early access for an iPhone money view built for more than one currency.