# Multi-Currency Budget Planner!

**One Budget, Every Currency, Zero Confusion.**

A complete budgeting system in one spreadsheet. Log income and expenses in any of 57 currencies, see every entry converted into your home currency automatically, and check your spending against monthly budget targets. Just set your base currency, enter your rates and transactions, and everything else updates automatically.

**What's Inside**

- 💱 **Exchange Rates for 57 Currencies**: pick your base currency, then update each rate manually whenever you like. Every conversion in the workbook updates instantly

- 💵 **Income Log**: record up to 50 income entries with date, description, source, currency and amount, each converted to your base currency automatically

- 💳 **Expense Log**: record up to 60 expenses with date, description, category, currency and amount, each converted to your base currency automatically

- 🎯 **Budget vs Actual**: set a monthly target for each of 8 spending categories and see your actual spend, the variance in amount and percentage, and a status flag for every category

- 📅 **12-Month Annual Overview**: log your monthly income and expenses to see net savings, cumulative savings and your savings rate month by month

- 🏠 **Dashboard**: total income, total expenses, net savings, savings rate and budget variance in one view, plus a budget health check, a spending breakdown by category, smart insights and achievement badges

- 📈 **Visual Charts**: monthly income vs. expenses, cumulative savings trend, spending by category, income by source, budget vs. actual by category, a 12-month income, expenses and net savings trend, and major currency rates

- ✅ **Built-in Guide & Preview**: a Guide sheet to get you started, and a Preview sheet with sample data showing how it all works

**Why You'll Like It**

Everything recalculates instantly. Change an exchange rate, an entry or a budget target and every total, variance, chart and insight updates automatically, with no manual work.

**What's Included**

- Instant .xlsx download

- Compatible with Microsoft Excel 2016+ and Google Sheets

- No macros, plugins, or add-ons needed

- Lifetime access and all future updates

- Clean, color-coded inputs so you always know what to edit

**Who It's For**

Anyone who earns or spends in more than one currency: expats, remote workers paid in a foreign currency, frequent travellers, and freelancers with international clients. Whether you're tired of doing currency math on the side, want to know your true monthly surplus in one currency, or need to keep spending categories in check across currencies, this gives you one clear picture instead of guesswork.

**One-time payment, lifetime access & updates**