Comment by skwee357
9 hours ago
I dont mind paying for a personal finance tool, but I feel like most of them are made for an average consumer who spends in one currency and needs budgeting. I operate in at least 3 currencies, don’t care about budgeting, and need support for tracking stocks and automatic currency conversions.
The only tools that were able to provide that were GnuCash and PTAs like beancount.
My point is, there is a big segment of people who are not served by existing personal finance tools simply because they operate in more than 1 currency, or have a slightly more complicated setup than envelope budgeting.
I regularly pay with 3 currencies, and YNAB isn't great for that, but it ends up working out because 95% of my spend is in just one.
But, you're right, I have no need for tracking stocks, as I only check in once a year or so, and I can't imagine YNAB would manage that well.
Are the currency conversions automatic, do they fetch the rate of whatever service you're using? E.g. converting USD to EUR on Wise on 28 Dec 2025 surely gets you a different amount compared to doing it on Revolut, or paying EUR with your card (which is USD-denominated), and on Jan 2 2026 the rates are also different..
I was travelling in the Nordics (they had 4 currencies back then, and they still do!) and wanted to have some precision what cash I exchanged with what rate...
I also use GnuCash for a moderately complex set of accounts with many income sources in multiple currencies. Works pretty awesome.