Kashiko vs Humble Ledger

Expense tracking for people who cross borders. 50+ currencies. Live exchange rates. Per transaction. Most expense apps assume you spend in one currency. Kashiko doesn't. Whether you're traveling through Tokyo, living in Lisbon, or splitting months between countries — Kashiko handles your spending in any currency, automatically converted to your home currency. No mental math. No spreadsheets. Log a coffee in yen, a hotel in euros, a flight in dollars. Kashiko tracks each transaction in its original currency and converts on the fly using live exchange rates. See where your money goes, at a glance. Open the app and instantly see your monthly spending, category breakdown, and recent transactions. No setup, no learning curve. Works offline. Spotty Wi-Fi in Bali? Log expenses anywhere. Kashiko syncs automatically when you're back online. Privacy, by design. No bank linking. No ads. No data selling. Your financial life stays on your phone. Go further with Kashiko Plus. - Daily spending charts - Spending pace tracking - Week-over-week comparisons - Top merchant analysis - 6-month trend lines $2.99/month or $20/year. 7-day free trial. Built for people who live across borders. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kashiko.app/privacy/

Humble Ledger is a calm, private expense tracker built for people whose money lives in more than one currency. Log every transaction in its own currency, converted to your home currency at that day's exchange rate, and see your whole net worth in one place. No bank logins, no Plaid, no syncing your accounts to anyone - you keep your ledger by hand, on purpose. WHO IT'S FOR Digital nomads, expats, freelancers with overseas clients, and anyone who travels often enough that a single-currency budget app stops making sense. If you earn in one currency, spend in another, and save in a third, most expense trackers quietly reconvert your whole history at today's rate and lose the truth of what you actually paid. Humble Ledger doesn't. WHY HUMBLE LEDGER • Truly multi-currency. Spend in THB, earn in USD, save in EUR - each transaction keeps its native currency and converts at the exchange rate for that day, so your totals add up in one home currency. • Manual-first and private. Nothing is auto-imported. Your finances stay on your device and in your own account - not brokered through a third party. • Fast capture. A purpose-built keypad makes logging an expense a few taps: amount, category, done. • Budgets that track the calendar. Set a weekly, monthly, or yearly limit per category and watch it against the real period. • Recurring, made deliberate. Rent, subscriptions, salary - Humble Ledger surfaces them when they're due and you confirm them into your ledger, adjusting the amount when a bill varies. • Net worth at a glance. Track account balances over time and see the trend, all in your home currency. • Reports that answer the question. See where the money went by category, and how this month compares to the last, without building a spreadsheet. • Tags for the cuts categories can't make. Mark a trip, a client, a shared bill, and pull those totals out on their own. • Import and export. Bring history in from a CSV and take everything back out whenever you like. Your ledger is yours, in a format you can read without us. Careful money, in any currency. Humble Ledger offers optional auto-renewing subscriptions (monthly and yearly). Subscriptions renew automatically unless canceled at least 24 hours before the end of the period; manage or cancel anytime in your App Store settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.humbleledger.com/legal/privacy