Budget Currency

Your budget currency is the single unit Budgero uses for totals, insights, and Ready to Assign. Even if your money lives in accounts across currencies, Budgero converts everything back to this anchor so every decision happens in one language.

What the budget currency controls

• Ready to Assign and category balances. All budget totals appear in the budget currency, even when the underlying account uses another currency.
• Dashboards and reports. Net worth, cash-flow charts, and spending reports roll up to the budget currency so comparisons stay consistent month to month.
• Account overviews. Each account shows both the original balance and a converted balance benchmarked to the budget currency for quick apples-to-apples checks.

Choosing the right currency

• Match the currency you use to run your household or business. Most people pick their home-country currency so values line up with bills and paychecks.
• When importing from YNAB, use the same display currency you relied on there. Budgero will mirror totals more closely and make migrating goals simpler.
• If you routinely spend in multiple currencies, set the budget currency to the one you want to evaluate performance in—usually the currency you earn or pay taxes in.

Working with multi-currency accounts

Budgero lets each account keep its native currency. When transactions post, Budgero stores both the original amount and a converted amount in the budget currency:

• Budgero pulls official exchange rates daily and caches them in the budget file. How long the cache is kept is configurable in Settings → Currencies (30 days by default) — older rates are pruned to keep the budget file small and refetched on demand.
• When a fresh rate is needed, Budgero fetches it from the exchange-rate service and stores it. During the first successful online session of each calendar day, it also refreshes the official rates for the current day so cached rates do not silently remain stale. If you're offline and no cached rate exists, you can supply a manual rate so the conversion can proceed; that manual rate is replaced automatically once you reconnect, unless you turn the "update offline rates" option off — and rates you pin on a transaction are never touched.
• Converted balances update automatically when you edit a transaction, reconcile an account, or import history so Ready to Assign and reports stay accurate.

Changing the budget currency later

You can switch the budget currency at any time:

Budgero wipes cached exchange rates, recalculates every transaction, and converts assignments and goal targets into the new currency. The app shows a brief conversion status overlay while it works. After the change, Budgero fetches fresh exchange rates the next time you view a month that needs them.

Expect large histories to take a moment while conversions refresh. You can keep working in the budget once the overlay disappears.

Offline and manual exchange rates

• Heading offline? Enter manual exchange rates so Budgero can keep conversions accurate without a network call. Budgero stores both the rate and its reciprocal for easy re-use.
• When you reconnect, Budgero replaces offline conversions with official rates automatically — an opt-in that is on by default and can be changed in Settings → Currencies or right in the offline rate prompt.
• If the exact day is not cached, Budgero uses the nearest earlier rate up to a week back. Beyond that it asks you for a rate, prefilled with the closest cached one.

Troubleshooting

• Converted totals look off: Check that a rate exists for the transaction date. Reopen the account or refresh the dashboard to prompt Budgero to fetch or recalculate the rate.
• Assignments changed after switching currencies: Budgero multiplies assignments and goal targets by the new currency rate so their purchasing power stays intact. Adjust categories manually if you want to lock in a different number.