Spara

Spara Budget

In-app purchases

About this app

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.