Wallet by BudgetBakers alternatives for money in several currencies

Wallet by BudgetBakers is a multi-currency tracker with bank sync. People who leave it mostly leave over currencies: its main currency cannot change without deleting your data, and each record now takes its account's currency. Others leave because the iPhone, Android and web apps do different things. These nine apps hold money in more than one currency, each in its own way, with what each cost on 25 October 2026, where it falls short, and how to take your Wallet history along.

A main currency you can change, 305 currenciesToshl
Many currencies in a web budgetLunch Money
Forecasts, with bank feeds in many countriesPocketSmith
Shared wallets, with only the owner payingSpendee
Apple devices only, with bank syncMoneyWiz
Android, bought once, offlineBluecoins
Any currency on any entry, offline, no accountTavala
Free and open source, data on your phoneCashew
Double-entry accounts on one phoneMoney Manager

By Dejan Bogatinovski, founder of Tavala. Updated 25 October 2026.

Why people leave Wallet

The main currency is fixed. Wallet's help center says there is no way to change the base currency and keep your data: the only option is to delete it and start again. Its developers are working on a change, with no date. Someone who moves country, or starts being paid in a new currency, keeps totals in the old one or gives up the history.

A record takes its account's currency. Wallet's help now says records adopt the currency of the selected account, and one account cannot hold several currencies. To log a purchase abroad in the currency you paid, you need an account in that currency first.

The apps differ. Wallet says some features differ between iOS, Android and the web, and its help says where: export is not on iPhone (it points you to the web app), Group Sharing is not on the web, importing a file works only on the web, and turning off automatic rates works only in the phone apps.

Prices live in the stores. Export, bank sync and Group Sharing are Premium, and Wallet's site gives no price; its help says to look in the app. On 25 October 2026 the US App Store listed Premium purchases from $5.99 to $49.99 and Lifetime Premium at $29.99, without saying which period each covers.

Offline, and leaving. Data used in Wallet's offline mode was not backed up on its servers, its help says, and syncing needs every device online. Its export covers transactions only, not budgets, goals or recurring payments.

Nine Wallet alternatives side by side
App	Currencies	Exchange rates	Bank connections	Platforms	Export and import	Price
Toshl	Real multi-currency305 currencies, crypto and gold; main currency changeable	Fetched hourlyRate saved per day; your own rate per entry	Medici planPlaid and Salt Edge; about 14,000 connections	iPhone, Android, webNo desktop or iPad app; the web works on a tablet	CSV free; PDF, Excel on ProImports csv, ofx, qfx, tsv, xls, txt and qif	$19.99 a year (Pro)Or $2.99 a month; Medici $39.99 a year; 30-day trial
Lunch Money	160+ currenciesTotals in a primary currency you can change	Fetched dailyCrypto every few minutes; no custom rate stated	OptionalPlaid in the US, Canada and 17 European countries; no UK	Web, with iPhone and Android apps"primarily a web-first experience"; iPhone app is iPhone only	CSV of the Transactions viewImports CSV and PDF; guides for YNAB and Mint	$60 to $150 a yearYou set the yearly price (default $100); or $10 a month
PocketSmith	Multi-currency, all plansA base currency; gold, silver and bitcoin too	Daily ratesStored for each day; no custom rate stated	Paid plans, capped by plan6 banks in 1 country, 18 banks, or unlimited	Web, iPhone, iPad, AndroidPhone apps are companions; a desktop beta (v0.5.0)	CSV and XLSXImports Toshl, MoneyWiz, YNAB, Monarch and more	$9.99 a month, billed yearlyFoundation; $14.95 billed monthly; 14-day money back
Spendee	A currency per walletA wallet's currency is fixed once it has entries	Your own rate per entryIts help does not name an automatic rate source	Premium only2,500+ providers; 50 countries listed, the US included	iPhone, Android, webApp Store lists Mac (M1 or later) and Vision, not iPad	CSV or XLS, in the app onlyFree plan: last 365 days; imports xls, xlsx and CSV	$14.99 a year (Plus)Premium $35.99 a year, with bank sync; 7-day trial
MoneyWiz	Multi-currencyOne currency per account; Forex and crypto accounts	Automatic on Standard and upOpen Exchange Rates; your own rate on the Free plan	Premium only40,000 banks in 50+ countries; Plaid and Salt Edge	iPhone, iPad, Mac, WatchApple devices only: "available for iOS & macOS"	CSV, PDF and a database fileImports from 11 named apps, YNAB and Moneydance included	$29.99 a year (Standard)Premium $59.99 a year or $5.99 a month; 1-week trial
Bluecoins	Any currency per accountNet worth converts to a default currency	Fetched from 14 providersOr your own rate per account or entry	None"No bank login"; reads notifications and SMS (Premium)	Android, iPhone, iPad"there is no web or desktop version"	Excel (.csv), PDF, HTMLSome report exports need Premium; imports CSV, QIF	Free with ads; Premium onceiPhone listing: $15.99 once; no Android price on its site
Tavala	Every currency in one space155 currencies and 96 cryptocurrencies; 2 per space on the free plan	Automatic, kept on each entryDaily reference rates, or your own rate per entry	Optional add-onBanks in the United States and Canada, through Plaid, $3.99 a month per bank	iPhone, iPad, Android, Mac, webA native Mac app; the web at app.tavala.io	CSV, PDF and full JSON exportNo import from other apps yet	Free; Plus $39.99 a yearor $6.99 a month on the web
Cashew	Multi-currencyOne currency per account; totals in the primary one	Daily, from an open APIOr your own rate	NoneNotification and SMS reading instead	iPhone, iPad, Android, webThe web app has no Pro; no Mac app listed	CSV and a full backup fileCSV is not a re-importable backup, it says	Free; Pro $11.99 a yearOr $1.49 a month, $19.99 once (US App Store)
Money Manager	A main and sub-currenciesEntries in any currency; totals in the one you choose	Entered by handStarts from a general rate; no daily updates	NoneManual entry; received SMS can fill in entries	iPhone, iPad, AndroidNo Mac or Windows app; a PC editor runs in a browser	Excel by email, backup fileImports a .tsv from a spreadsheet; no named apps	$19.99 a year (US App Store)Or $2.49 a month; a separate $5.99 ad-free app exists

Checked on 25 October 2026 on each app's own pages, US prices: Toshl, Lunch Money, PocketSmith, Spendee, MoneyWiz, Bluecoins, Cashew and Money Manager.

Toshl, for a main currency you can change, with 305 currencies

Price: $19.99 a year (Pro)
Platforms: iPhone, Android, web
Currencies: Real multi-currency

Toshl is the closest match to Wallet without the fixed base: its currencies page lists 305 currencies, crypto and metals included, and says you can switch the main currency freely. Rates refresh hourly, each entry keeps the rate saved for its date, and you can set your own. The Medici plan adds bank connections through Plaid and Salt Edge.

On 25 October 2026 Pro was $19.99 a year or $2.99 a month, and Medici $39.99 a year, after a 30-day trial. The free plan covers 2 accounts and 2 budgets. It runs on iPhone, Android and the web, where it imports eight file formats.

Where it falls short: No desktop or iPad app, one shared login, offline use not stated, and an App Store build from December 2024.

Toshl's own pricing page

Lunch Money, for many currencies in a web budget

Price: $60 to $150 a year
Platforms: Web, with iPhone and Android apps
Currencies: 160+ currencies

Lunch Money is a web-first budget with iPhone and Android companion apps: more than 160 currencies, every total in a primary currency you can change at any time, and rates fetched daily. Plaid imports are optional in the US, Canada and 17 European countries, and CSV and PDF statements import too.

On 25 October 2026 you set your own yearly price from $60 to $150, or paid $10 a month, after a 30-day trial. Any number of collaborators share one budget with their own logins, and only the admin pays. Data is stored in the United States.

Where it falls short: No free plan, no UK bank imports, primarily a web app, and offline use is not stated.

Lunch Money's own pricing page

PocketSmith, for forecasts with bank feeds in many countries

Price: $9.99 a month, billed yearly
Platforms: Web, iPhone, iPad, Android
Currencies: Multi-currency, all plans

PocketSmith turns multi-currency accounts into a forecast: a base currency, accounts in others, rates stored for each day, and projections up to 60 years. Bank feeds run through regional providers (Yodlee, Plaid, Salt Edge, Akahu, Basiq) on paid plans only: Foundation connects 6 banks in 1 country, Flourish 18 banks in any country.

On 25 October 2026 Foundation was $9.99 a month billed yearly, or $14.95 monthly, with a 14-day money-back guarantee. The free plan covers 2 accounts and 12 budgets. It is web first, with iPhone, iPad and Android companion apps and a desktop beta.

Where it falls short: Banks in several countries need Flourish or above, the phone apps are companions, and offline use is not stated.

PocketSmith's own pricing page

Spendee, for shared wallets with only the owner paying

Price: $14.99 a year (Plus)
Platforms: iPhone, Android, web
Currencies: A currency per wallet

Spendee comes from Prague, like Wallet, and works a similar way: each wallet has its own currency and a main currency adds them up. Its help says changing the main currency recalculates every transaction, and you can set your own rate on an entry in another currency. Shared wallets need Plus or Premium, but only the owner pays.

On 25 October 2026 Plus was $14.99 a year and Premium $35.99 a year, after a 7-day trial. Premium adds bank connections in 50 countries, the US included, and receipt scanning. It runs on iPhone, Android and the web, with data in Belgium and the US.

Where it falls short: Export only in the phone app (365 days on the free plan), import only on the web, and offline use not stated.

Spendee's own pricing page

MoneyWiz, for Apple devices, with bank sync

Price: $29.99 a year (Standard)
Platforms: iPhone, iPad, Mac, Watch
Currencies: Multi-currency

MoneyWiz is a personal accounting app for iPhone, iPad, Mac and Apple Watch. Each account holds one currency, entries in another are converted into it, and Forex and crypto accounts hold travel money and coins. Rates come from Open Exchange Rates on Standard and up. Premium connects banks through Plaid and Salt Edge, which it puts at over 40,000 banks in more than 50 countries.

On 25 October 2026 Standard was $29.99 a year and Premium $59.99 a year or $5.99 a month. The free plan has unlimited accounts and budgets with iCloud sync, and rates you set yourself. It exports CSV, PDF or a whole database file.

Where it falls short: Apple devices only, with no Android, Windows or web app, and offline editing is not documented.

MoneyWiz's own pricing page

Bluecoins, for Android, bought once, offline

Price: Free with ads; Premium once
Platforms: Android, iPhone, iPad
Currencies: Any currency per account

Bluecoins is a phone app for Android, iPhone and iPad in which each account can be in any currency, crypto included, with a rate stored on each transaction, from 14 providers or your own. It works offline, never logs into a bank, and keeps data on your device with backups in your own Google Drive, Dropbox or OneDrive.

It is free with ads. Premium is a one-time purchase: on 25 October 2026 the iPhone listing showed $15.99; the Android price is not on its pages. Premium adds online sync, report export and capture from notifications and SMS.

Where it falls short: No web or desktop version, and sharing means linking one cloud account, with a Premium purchase for each person.

Bluecoins's own pricing page

Tavala, for a main currency you can change, offline, with no account

Price: Free; Plus $39.99 a year
Platforms: iPhone, iPad, Android, Mac, web
Currencies: Every currency in one space

Tavala is a private, offline-first personal finance app, and it answers Wallet's two currency limits directly. The owner of a space changes the main currency in Settings at any time: past entries are re-valued at the rate of each entry's own date, and every wallet keeps its own currency. And an entry can be in any currency, whatever its wallet's: type taxi 1200 MKD against a euro wallet and Tavala keeps the 1,200 denar and the euros charged, with your own rate if you prefer. It knows 155 currencies and 96 cryptocurrencies.

It starts with no account and no bank, every screen works offline, and it runs on iPhone, iPad, Android, a native Mac app and the web, with sharing and the full export on all of them. The free plan does not end: 2 currencies per space, counted from its wallets, and one synced device. Tavala Plus is $39.99 a year or $6.99 a month on the web for every currency, every device and a space shared with up to six people. A read-only bank connection through Plaid is an optional add-on to Tavala Plus, for banks in the United States and Canada, at $3.99 a month per bank.

Where it falls short: Bank sync only in the United States and Canada, no import from Wallet or any app, no receipt scanner, no lifetime plan, and shared entries do not show who added them. The App Store and Mac App Store listings are not public yet, so on Apple devices it runs in the browser today.

Tavala pricing

Cashew, for a free, open-source tracker on your phone

Price: Free; Pro $11.99 a year
Platforms: iPhone, iPad, Android, web
Currencies: Multi-currency

Cashew is free and open source (GPL-3.0), keeps its data on your device and needs no account; a Google account is used only for backups and sync through your own Drive. Each account holds one currency, totals convert into the primary account's, and rates update daily unless you set your own. Instead of bank sync, it reads spending from notifications or SMS.

Pro was $11.99 a year or $19.99 once in the US App Store on 25 October 2026; its pages do not list what Pro unlocks. It runs on iPhone, iPad, Android and the web.

Where it falls short: No bank connections, no shared budget except through one Google account, and no Mac app listed.

Cashew's own pricing page

Money Manager, for double-entry accounts on one phone

Price: $19.99 a year (US App Store)
Platforms: iPhone, iPad, Android
Currencies: A main and sub-currencies

Realbyte's Money Manager is a long-running manual tracker with double-entry accounts, card settlement dates and budgets by week, month or year. It has a main currency and sub-currencies, including user-defined ones such as gold. Unlike Wallet, it lets you change the main currency and keep your data, at the latest rate. Rates are yours to set; it does not follow daily changes.

Per the US App Store listing on 25 October 2026, its subscription was $19.99 a year or $2.49 a month, while Realbyte's help calls Premium a one-time purchase. The free version has ads and up to 10 accounts on iPhone, 15 on Android.

Where it falls short: No sync between devices, by its own help, no bank connections, and switching between Android and iPhone means buying again.

Money Manager's own pricing page

How to choose

Start with the reason you are leaving. If it is the fixed main currency, Toshl, Lunch Money and Tavala let you change it at any time, Spendee recalculates every transaction when you do, and Money Manager keeps your data at the latest rate. If you need a bank feed outside North America, PocketSmith, Spendee, Toshl's Medici plan and MoneyWiz Premium connect banks in many countries, and Lunch Money covers 17 European countries. Tavala's bank connection is for the United States and Canada only.

If it is the split between apps: Toshl, Spendee, Lunch Money and Tavala run on phones and the web, MoneyWiz is Apple only, and Bluecoins and Money Manager are phone apps.

Then check offline use and where data lives. Bluecoins and Tavala say they work offline; Toshl, Spendee, PocketSmith and Lunch Money do not state it. Spendee keeps data in Belgium and the US, Lunch Money in the US, Cashew and Bluecoins in your own cloud drive, and Tavala on your device and, with an account, in Ireland (EU).

Moving your data out of Wallet

Wallet exports transactions only, and only with Premium: CSV or XLS from the web app, or PDF, XLS or CSV from the Android app. The iPhone app has no export; its help points you to the web app. Budgets, goals and recurring payments are not in the file, so note them down first.

Most of the apps here can read that file. Toshl's web app imports CSV, XLS, OFX, QIF and four other formats; PocketSmith takes CSV, OFX, QFX and QIF; Lunch Money imports CSV up to 10,000 rows at a time; MoneyWiz imports CSV, QIF, OFX, QFX and MT940; Cashew maps CSV columns; Bluecoins has a CSV template with a currency and rate on each row. Spendee imports CSV, XLS or XLSX on the web, into cash wallets only, without detecting duplicates. Money Manager takes a .tsv file from its own template. None names Wallet as a source, so expect to map columns.

Tavala imports nothing from Wallet or any other app yet. Keep Wallet's export as your archive and start from today: a wallet for each Wallet account with today's balance, then your bills and budgets. Debts are the exception: Tavala imports debts or past loan payments from a CSV file, with a preview first.

How this page was made

We picked nine apps that hold money in more than one currency and answer the reasons to leave Wallet that its own help center states: a main currency that cannot change without deleting your data, records tied to their account's currency, features that differ by platform, and prices only in the stores. We compared currencies, exchange rates, bank connections, platforms, export and import, and price. Every fact comes from the vendor's own pages or US store listings on 25 October 2026, in US prices, and we check them every quarter. Where a vendor's pages disagree (Money Manager's price model), we say so. We have not run every import end to end. Tavala publishes this page and is on it, in seventh place, with its limits stated the same way as everyone else's.

Questions

Which Wallet alternative lets me change my main currency?: Toshl, Lunch Money and Tavala let you change it at any time (Tavala re-values past entries at each entry's own date), Spendee recalculates every transaction, and Money Manager keeps your data at the latest rate.
Which Wallet alternative has bank sync outside the US?: PocketSmith, Spendee, Toshl and MoneyWiz connect banks in many countries on paid plans, and Lunch Money in 17 European countries. Tavala's bank connection is for the United States and Canada only.
Is there a free alternative to Wallet?: Cashew is free and open source, Bluecoins is free with ads, and Toshl, PocketSmith, Spendee, MoneyWiz, Money Manager and Tavala have free plans with limits. Lunch Money has only a trial.
Which Wallet alternative works offline?: Bluecoins says it works offline, and every screen in Tavala does. Cashew, MoneyWiz and Money Manager keep data on your device without stating offline use.
Can I import my Wallet data into Tavala?: No. Tavala imports debts from a CSV file, but no transactions from other apps. Start it with today's balances.

Go further

Start with what you spent today.

There is no account to create and no card to enter. Pick your currency, add what you paid, and Home shows what is left.

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