Spara Budget - The budget app that thinks in more than one currency

Every budgeting app assumes you live in one currency. If you don't — if you're an expat, digital nomad, or part of a global family — the spreadsheet workarounds get old fast. Spara is zero-based envelope budgeting built for multi-currency life. Track 30+ currencies natively, see real-time FX, get AI-powered spending insights, and finally answer 'how much do I have left?' across every account, in every currency. 30-day free trial. iOS, Android, web.

Hey Product Hunt I'm Patrick, an American living in Barcelona. I built Spara because I got tired of doing exchange-rate math in my head every time I tried to use a budget app. Here's the situation a lot of expats and nomads recognize: I earn in dollars, I spend in euros, I have savings sitting in both. Every time I opened YNAB I had to pretend my dollar accounts didn't exist, or pick one currency and mentally convert everything else. Monarch is US-only. The tools that do support multiple currencies treat it as an afterthought. So I built the thing I wanted. Spara is envelope-style budgeting (give every euro a job, roll unspent funds forward, cover overspending honestly) but with multi-currency baked in from the foundation. You can hold accounts in EUR and USD, see your real consolidated position at the daily ECB rate, and capture cross-currency transfers with the actual exchange rate that hit your account. It's manual entry on purpose. No bank sync, no data harvesting. Takes ten seconds per transaction and forces you to actually notice what you're spending. A few specific things I'm proud of: -Ask Spara. A natural-language assistant that lets you log transactions or ask questions about your spending without hunting through menus. - Impact. Before you make a purchase, Spara can evaluate it against your complete financial picture across every account, every currency, every commitment already made. You get a 1 to 100 score and a plain-English verdict. Not your balance. Your actual budget position. -Hindsight. At the end of every month, Spara shows you a side-by-side comparison of what you actually spent versus a smarter version of the same month. Not judgment. Clarity. The goal is that every month teaches you something, so the next one is genuinely better. Spara has been live on Android for a few months and just shipped on iOS this week. The community I've built so far is small but engaged, and I've shaped a lot of the app around their feedback. I'd genuinely love to hear from you: -If you live across currencies, what's the worst part of how you handle money today? -If you're a YNAB user, what would it take for you to consider switching? -What's missing from this that would make it indispensable for you? I'll be here all day responding. Thanks for taking a look. Patrick hello@sparabudget.com

Spara Budget - The budget app that thinks in more than one currency

Replies