Spara

Spara is envelope budgeting built for people who live and earn across currencies. If you're an expat, digital nomad, or multi-currency family, you know the pain: your salary lands in euros, your rent is in dollars, and no budgeting app handles both without hacks. Spara does. HOW IT WORKS Every euro gets a job. Assign your income to categories — rent, groceries, dining, savings — and spend from those envelopes. When a category runs out, you decide where to pull from. No surprises at month-end. MULTI-CURRENCY, NATIVELY Add accounts in any currency. Spara converts everything to your base currency using daily ECB exchange rates so your budget always shows the real picture. No manual rate entry, no guessing. MANUAL ENTRY BY DESIGN No bank sync means no waiting for imports, no miscategorized transactions, no security worries about sharing bank credentials. You enter each transaction in seconds — and that awareness is what makes budgeting actually work. WHAT YOU GET • Envelope budgeting with rollover — unspent money carries forward • Multi-currency accounts with automatic ECB rate conversion • Split transactions across categories • Recurring transactions with auto-enter or manual confirm • Credit card tracking that works like real life • Receipt scanning with AI extraction • Ask Spara — an AI assistant that answers questions about your budget • What-If analyzer — test purchases before you make them • Spending reports, net worth tracking, subscription monitoring • Shared household budgets with invitations • Push notifications for upcoming bills • Home screen widgets WHO IT'S FOR Spara is for people who want to know exactly where their money goes — across borders, currencies, and accounts. If you've tried YNAB but needed better multi-currency support, or you've outgrown spreadsheets, Spara is your app. PRICING 14-day free trial. Then €9.99/month or €99.99/year. One plan, everything included. PRIVACY Your financial data is encrypted and stored in the EU. No bank connections, no data selling, no ads. Ever.