Multi-currency budgeting
Budget in every currency you live in
Salary in dollars, rent in euros, a mortgage back home. Loculum keeps a separate budget for each currency, so no exchange rate bends your numbers, and one tab shows them all together.
- 30 days free
- No card needed
- No access to your bank
To assign
$0.00
Chase, Wise USD
| Category | Planned | Available |
|---|---|---|
| Mortgage | $1,850.00 | $0.00 |
| Student loan | $380.00 | $0.00 |
| Travel fund | $600.00 | $1,450.00 |
To assign
€0.00
Wise EUR, Revolut
| Category | Planned | Available |
|---|---|---|
| Rent | €1,200.00 | €0.00 |
| Groceries | €450.00 | €112.40 |
| Eating out | €120.00 | −€18.50 |
All your accounts, shown in USD
$13,659
| USD | $8,420.00 | $8,420 |
| EUR | €4,820.00 | ≈ $5,239 |
Converted at today's rate for this view only. Each budget keeps its own currency.
Why a budget is worth it
- 46%
- of adults have enough set aside to cover three months of expenses. The rest don't.
- FINRA Foundation, 2024 study
- 88%
- of people who budget say it helped them get out of debt or stay out of it.
- Debt.com, 2026 Budgeting Survey
Give every dollar and euro a job
Most budgets tell you where your money went. Loculum asks you to decide where it goes, before you spend it.
- 1
Start with the money you have
What's in your accounts today, not the salary that hasn't arrived yet.
- 2
Give all of it a job
Rent, groceries, the flight home, a rainy-day fund. Keep going until nothing is left to assign.
- 3
Move money when life changes
Spent more eating out? Cover it from another category. The budget follows your month, not the other way around.
Each currency does this on its own: dollars get jobs in dollars, euros in euros. When you exchange money, it's one transfer with two amounts, and Loculum keeps the rate you actually got.
Built for a life in more than one currency
No made-up conversions
Every currency has its own accounts, categories and money to assign. Nothing is converted behind your back or averaged into one number. The All tab adds everything up at today's rate, only to show you.
Manual on purpose
No bank connections. Typing each expense is what keeps you aware of it, no app gets access to your bank, and it works with any bank in any country.
Fast on your phone and your computer
Add it to your home screen and it works like an app: an expense takes under ten seconds. On a computer, you add and edit right in the list, from the keyboard.
Reports that cross borders
Net worth across every currency, how many months you could live without income, and what a normal month costs before and after a move.
Pricing
One plan with everything in it. Try it free for 30 days, no card needed; after that, subscribe to keep using it. Your data stays yours: you can always export it to CSV, even if you don't subscribe.
$29 a year
or $3 a month, billed monthly
Start your free trial30 days free with everything included. No card needed to start.
- As many currencies as you need, plus the All tab
- Budget, accounts, transactions, recurring and tags
- All 12 reports: net worth, runway, cost of living, forecast and more
- Share a budget with your partner
- Import from YNAB, several budgets into one
- Export to CSV, always
Questions
Can I use it with just one currency?
Yes. With one currency you won't see tabs or exchange rates at all, just a simple budget.
Does Loculum connect to my bank?
No, on purpose. You enter what you spend, the way you would in a spreadsheet, only faster. No app ever gets access to your accounts.
How does the All tab convert currencies?
Only for display. It adds everything up at today's rate so you can see the total, but each budget stays in its own currency. The rate never changes a number in your budget.
What happens if I don't subscribe?
Your account becomes read-only: you can sign in, see everything and export it to CSV, but you can't add anything new until you subscribe. Nothing is deleted.
Every currency, its own budget
Create your account in a minute. 30 days free, no card needed.
Start your free trial