Your money lives in four currencies. Your budget app speaks one.
Text or talk to a Telegram bot about what you spent, in any currency. It converts at that day's rate and tells you what's left.
Join the waitlistDemo only. The mic plays a sample voice note. Nothing is saved, and the budget amounts are made up.
Then see where you stand.
Every budget on one page, each in its own currency: yours, your partner's and the shared one. What's left, whether you're under plan, and who owes who.
The real app, filled with a made-up couple's October.
What it handles
What breaks in a one-currency budget app once you leave home.
Any currency, text or voice
Send
coffee 85 thb, or a voice note on the way out of the restaurant. It converts at the rate for the day you spent it, so last month's numbers don't move when the baht does.Cash is cash
Pull 10,000 baht from an ATM and it becomes a pile of local cash you spend down. The withdrawal isn't the expense. The street food is. Log the machine's fee too, and you'll see what each withdrawal really cost.
Split with your partner
Shared costs go to a joint budget in its own currency, with a running total of who owes who. Your partner messages the same bot from their own Telegram, by text or voice. It's for two people, not a group.
Ask what's left
Type "How much is left for eating out?" and get the answer in your currency, with the days left in the month.
Statements at month end
Drop in exports from almost any bank (Chase, Revolut, Wise, etc.) to catch the card charges you forgot to log.
No bank logins
Nothing connects to your bank. You log as you go, and the statements fill the gaps.
Budget Abroad vs Splitwise vs a spreadsheet
| Feature | Budget Abroad | Splitwise | Spreadsheet |
|---|---|---|---|
| Converts each purchase into your currency | Yes | With Pro (paid) | A formula on every row |
| Monthly budget with what's left | Yes | No | If you build it |
| Log by text or voice note | Yes | No, a form in the app | No |
| Expenses per day | Unlimited | 4 free, unlimited with Pro | Unlimited |
| Split with a partner | Yes | Yes | By hand |
| Split with a group of 3+ | No, not yet | Yes | By hand |
| ATM cash tracked as local cash | Yes | No | By hand |
| Works without Telegram | No, not yet | Yes | Yes |
Splitwise features from its own help center, October 2026. Pro is its paid plan.
I built it for two people first.
I'm Chris. I live out of a suitcase, and the suitcase is currently in Southeast Asia. My girlfriend and I run our money in three currencies, plus the local one wherever we are, across five banks. We tried the spreadsheet. The spreadsheet lost.
So I built this. We run our own money through it every day, so it stays running. If yours looks like ours, it could be perfect for you too.
Early access
Free during early access. One email when your spot opens, no newsletter. Early users decide what I build next, and I'll ask you.
Questions
How do I log something?
Text the bot, like "coffee 85 thb" or "lunch 200 baht", or send a voice note. It converts at that day's rate and files it under the right category.
Will the number match my card?
Close, not exact. It uses the European Central Bank's rate for the day you spent it. Your card adds its own rate and fees, so expect small gaps. The month-end statement import catches charges you didn't log.
How does ATM cash work?
A withdrawal becomes a pile of local cash you spend down. The withdrawal itself isn't counted as spending.
Can my partner and I use different currencies?
Yes. Each of you gets a personal budget in your own currency, plus an optional shared one with a running total of who owes who.
Does it work if I'm solo?
Yes. It's built for one person or a couple. A personal budget in your own currency works on its own, and sharing is optional. Groups aren't supported yet.
Who sees my financial data?
Nobody but you, and your partner for the shared budget. Your entries sit in a private database on our server in the US, and we don't look at them unless you ask for help. Nothing connects to your bank, and we never sell or share your data. Telegram stores bot chats on its servers, like any normal chat. Want it all deleted? One email.
Do I need Telegram?
For now, yes. It's the fastest way to log a purchase while the waiter is still standing there. The dashboard runs in your browser.
Why not Splitwise or a spreadsheet?
Splitwise splits bills well, but it has no monthly budget, and its free plan stops at 4 expenses a day with currency conversion kept for Pro. A spreadsheet can do all of this if every row gets its own exchange-rate lookup and somebody types it in at the street stall.
Will it still exist next year?
We run our own money through it every day, so it keeps running as long as we do. If that ever changes, you'll get an email first.
Can I get my data out?
Not with one click yet. If export matters to you, say so in the form's "Anything else?" box. Early users decide what gets built next.
When can I use it?
I'm letting people in a few at a time, starting with the waitlist. You'll get an email either way.
What will it cost?
Free during early access. I'm planning US$5 a month after that. You'll get an email before anything is charged, and there's no contract. Cancel any time.