Yes! I am especially interested in multiple currency support. Most budgeting software doesn't provide this well or at all. Some questions:
* Is each transaction stored in its currency, or is everything converted to a main currency when stored? The latter is lossy and problematic.
* Does the app expect each currency to have a fixed exchange rate? If it does, that's problematic.
* You are asked to select a primary currency when signing up. Can you change the primary currency later? Will any information be lost if you do?
* How do you handle transfers from one bank account in one currency to another bank account in another currency? Will it handle an exchange rate that is different from the one the app might be expecting?
* How does budgeting work in multiple currencies, how are fluctuating exchange rates used?
I'll definitely be trying this out regardless of whether I get an answer here, I am really excited about the potential. :)
These are really great questions, thanks for asking!
1. Every transaction is stored in its original currency. The conversion to your primary currency happens on demand.
2. We fetch daily currency rates so it should more-or-less accurately reflect the market. We have gotten feature requests for exposing this and allowing manual override of currency rates. If this would be important to you, feel free to let us know and it'll get bumped up on the priority list!
3. You can feel free to change your primary currency at any time and as often as you want in the Settings tab. There is no risk as it will have no permanent effect on your transactions!
4. Bank transactions show up in the currency that the bank account is set to so if you transferred -US$100 to +CA$133 to a CAD bank account, it will show up as two transactions in their respective currencies. However, to your point, in the totals, the currency rate might fluctuate a bit and it might add -US$100 and +CA$133 up with a few cents discrepancy. This could be solvable if we allow manual override of currency rates.
5. When it comes to multi-currency monthly budgeting, we use the currency rate from the first of the month to normalize everything to your primary currency. You can set a budget in any currency. For example, you can budget 10000yen for restaurants, and in your budget summary, you will see US$93 expected spending.
Hope this makes sense and feel free to reach back out with any more questions.
* Is each transaction stored in its currency, or is everything converted to a main currency when stored? The latter is lossy and problematic.
* Does the app expect each currency to have a fixed exchange rate? If it does, that's problematic.
* You are asked to select a primary currency when signing up. Can you change the primary currency later? Will any information be lost if you do?
* How do you handle transfers from one bank account in one currency to another bank account in another currency? Will it handle an exchange rate that is different from the one the app might be expecting?
* How does budgeting work in multiple currencies, how are fluctuating exchange rates used?
I'll definitely be trying this out regardless of whether I get an answer here, I am really excited about the potential. :)