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Many currencies. One honest picture.
Salary in one currency, rent in another, savings in a third — that's normal life for millions of households. Most budget apps treat it as an edge case. Gilt treats it as the default.
How Gilt handles currencies
Every account keeps its own currency
A USD card, a EUR checking account, an AMD cash wallet — each account lives in its native currency, with native formatting. No forced conversion, no fake totals.
Transfers that don't invent money
Moving €500 that arrives as $543? Gilt links both sides of the transfer with the real amounts on each side — so exchange-rate spread never shows up as phantom "income" or "expense."
Reports converted honestly
Spending, budgets and net worth roll up into your main currency using exchange rates — computed on your device, so your totals are one number you can actually trust.
Built for real multi-currency life
- Expats and remote workers — earn in USD or EUR, spend in the local currency, see one net worth
- Families across countries — a shared household ledger where each partner's accounts keep their own currencies
- Travelers — a trip's cash wallet in one currency, cards in another, reports still make sense when you're home
- Any currency, anywhere — Gilt ships worldwide in 175 countries; if your bank has a currency, Gilt tracks it
- Exchange rates included — automatic rates with the option to set your own for any transaction
And still: no servers
Everything above happens on your iPhone and in your personal iCloud. Rates come to your device; your amounts never leave it. Privacy by architecture →
Launching soon on the App Store — every plan starts with a 14-day free trial.
Works with AI statement import too — import statements from banks in any currency.