Rasa Money is a personal finance manager that works in one currency — and stays accurate the moment a second one shows up. Every transaction locks its real exchange rate permanently.
Accounts, categories, budgets, subscriptions, and debts in one place — with a dashboard that shows where you stand without building a spreadsheet first. If every account you own is in the same currency, Rasa Money is still a full personal finance manager.
Multi-currency is depth the product has, not the price of admission. The sharper case appears the day a second currency enters the picture — freelancers, expats, and nomads hit that day often; plenty of people never do, and still get the full product.
Many finance apps convert everything at today's rate and label the result multi-currency. That quietly rewrites last March every time the market moves. Budgets drift. Income figures become estimates. Year-end reports disagree with the statements you filed against.
Rasa Money was built the other way round: the rate that applied on a transaction's own date is stored with that transaction and reused by every downstream figure — budget spend, category totals, net worth history — instead of today's spot rate.
Say this plainly: your exchange rate is locked the moment a transaction happens — permanently. Past dates never expire. If you later change your base currency, historical rows do not silently reprice.
Converted amounts are labelled so you can tell a settled historical rate from today's estimate. That labelling is a trust feature, not decoration.
Bank, cash, credit card, crypto wallet, or investment — each account has one currency, chosen when you create it. Your USD checking, EUR savings, and TRY cash sit side by side without pretending they are the same thing.
Settled and available balances are derived from transactions, not typed over. Cross-currency transfers fetch the pair rate, show it in the direction that reads clearly, and record the effective rate you actually used.
Set a budget limit in the currency you plan in, then attach accounts in any currency. Matching expenses convert using each transaction's locked rate, so limit, spent, and remaining stay consistent.
Debts keep their own currency on the installment schedule. When you earn in a different currency, you still see what each payment costs in the currency you think in — without rewriting the schedule itself.
Schedule something ahead and it converts at today's rate, clearly badged as an estimate. When the date arrives, the real rate is applied, the balance is corrected by the difference, and you are notified if the amount moved.
That honesty matters for foreign-currency subscriptions and transfers you set up before the charge lands. You are never left guessing whether a number is final.
The free Basic plan caps you at one currency across accounts — enough to evaluate the product as a single-currency finance manager. Pro removes the currency cap and unlocks recurring series, CSV import, data export, and Rasa AI.
If you are comparing plans, read the pricing page for the live limits. Downgrading does not delete your history; it blocks new actions that exceed the free caps.
Five account types — bank, credit card, crypto wallet, investment and cash — each in one currency, with a default acc…
LedgerThree transaction types and six statuses that each move balances differently. Categories, notes, commissions, cheque …
BudgetsOne-time or recurring budgets in a single currency, scoped to the accounts and categories you pick. Overlap is checke…
RecurringOne template per series with its own cycle, end date and default status. Occurrences are generated for you and can be…
DebtsLoans, installment plans, credit-card plans and personal debts, with real schedules and progress. Link a debt to an a…
Rasa Money is a personal finance tracking and management tool. We do not hold, transfer, or invest your money. Rasa Money is not a bank, broker, or financial advisor. Exchange rates are mid-market reference rates, not your bank's spread.