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.
Record money in the account it actually moved through and it keeps that account's currency. Totals, budgets and net worth are then expressed in your base currency, using each transaction's stored rate wherever history matters.
Every converted figure is labelled as either a settled historical rate or today's estimate, so you never have to guess what a number means.
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 is single-currency — enough to evaluate Rasa Money as a full personal finance manager. Pro removes the currency cap and unlocks recurring series, CSV import, Rasa AI and more.
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.
Rasa Money is consistent about when it uses a locked rate and when it uses today's — and it labels both.
| Where you see it | Rate used |
|---|---|
| Budget spent and remaining | The rate stored on each transaction |
| Category and history figures | The rate stored on each transaction |
| Dashboard totals and net worth | Today's rate, so totals move with the market |
| Accounts list in base currency | Today's rate, labelled as current |
| Future-dated transactions | Today's rate as an estimate, settled to the real rate on the date |
Your base currency must be a fiat currency such as USD or EUR. You can still hold crypto in wallet accounts and record crypto transactions.
No. With every account in one currency Rasa Money is a complete personal finance manager. Multi-currency is extra depth for the day a second currency appears.
No. Rasa Money uses mid-market rates from a single central provider, stored per calendar day. Your bank may apply its own spread, so bank statements can differ slightly.
No. Each transaction remembers the rate it was recorded with, so historical rows do not silently reprice when you change your base currency.
No. Base currency must be fiat. You can still hold crypto in wallet accounts and record crypto transactions.