Free 14-day trial

Your finances.
Every currency.
One clear view.

Most budget apps assume you live in one country. Vello is built for people who don't — every transaction stored in its original currency, converted at the real entry rate, locked forever.

Start free trialAlready a member →
Any currency
Worldwide rates
Rate locked
At entry time
No bank sync
Full privacy
Apr 2026
DKK home
US
Client retainer
USD
+$3,200
DKK 22,214
PT
Rent, Lisbon
EUR
−€850
DKK 6,328
GB
Freelance project
GBP
+£900
DKK 7,654
NO
Groceries, Oslo
NOK
−NOK 680
DKK 588
US
SaaS subscriptions
USD
−$49
DKK 340
Net position+DKK 0

What people say

“Finally. I live between Denmark and Germany and my old budget app made me do mental math every day. Vello just works.”

Mia K.
Copenhagen → Berlin

“The exchange rate locking is genius. I invoiced in GBP in March and Vello still shows exactly what I earned in euros that day.”

Tom R.
London

“I'm a freelancer with clients in 4 currencies. This is the first tool that actually makes sense of my income.”

Sara L.
Lisbon

“Moved countries six months ago. Getting my finances under control took about 10 minutes with Vello.”

James P.
New York → Barcelona

“Simple, beautiful, and it doesn't try to connect to my bank. That alone sold me.”

Anna V.
Amsterdam

“Finally. I live between Denmark and Germany and my old budget app made me do mental math every day. Vello just works.”

Mia K.
Copenhagen → Berlin

“The exchange rate locking is genius. I invoiced in GBP in March and Vello still shows exactly what I earned in euros that day.”

Tom R.
London

“I'm a freelancer with clients in 4 currencies. This is the first tool that actually makes sense of my income.”

Sara L.
Lisbon

“Moved countries six months ago. Getting my finances under control took about 10 minutes with Vello.”

James P.
New York → Barcelona

“Simple, beautiful, and it doesn't try to connect to my bank. That alone sold me.”

Anna V.
Amsterdam

Sound familiar?

The financial reality of living across borders shouldn't be this hard.

“

My bank app shows 4 currencies. I still have no idea if I'm actually saving money this month.

“

I mentally convert every expense. Then I forget to write it down. My budget is just a feeling.

“

YNAB, Copilot, Monarch — they're all built for one country. I live and earn in three.

“

Tax time comes and I have zero idea what I actually earned in my home currency last year.

What changes

What changes when the app actually fits.

Always know your real position

Every transaction is stored in its original currency — and automatically converted to your home currency at the rate it actually happened. Not an estimate. The real number, locked in forever.

  • Supports any currency in the world
  • Exchange rates fetched automatically at entry
  • Historical rates preserved — never retroactively wrong
Recent transactions
Client invoice — NYC
+$1,200
→ EUR 1,104
Rent, Lisbon
−EUR 850
→ EUR 850
Freelance, London
+£400
→ EUR 468
Groceries, Oslo
−NOK 680
→ EUR 58
SaaS tools
−$49
→ EUR 45
Income vs Expenses — 6 months
Nov
Dec
Jan
Feb
Mar
Apr
IncomeExpenses

See where your money actually goes

Charts that make sense when your income comes from multiple countries. Compare months, track trends, and see which categories eat your budget — all in your home currency.

  • Income vs expenses, month by month
  • Category breakdown with trend lines
  • Budget vs actual — see overruns before they hurt

Organized the way you think

Custom categories, tags, and filters built for complex spending patterns. Search by currency. Filter by tag. Group by category. Your data, structured around your actual life.

  • Custom category hierarchy — up to 3 levels
  • Tags for patterns that cut across categories
  • Recurring transactions — handled automatically
Budget vs actual — This month
HousingEUR 850 / EUR 900
Food & DrinkEUR 312 / EUR 400
TransportEUR 89 / EUR 150
SoftwareEUR 143 / EUR 100

Made for

Built for people who live across borders.

Expats

You moved countries. Your home salary, your local expenses, your savings account back home — Vello holds it all together, in the currency that makes sense to you.

Digital nomads

You work from wherever. Your income follows you across time zones. Now your financial picture can too — always converted, always current, wherever you are.

International freelancers

You invoice in dollars, pay rent in euros, and save in whatever's left. Finally, a budget that reflects how you actually earn and spend — without a spreadsheet.

Pricing

Simple, honest pricing

14 days free. Then $7/month. Cancel any time.

Free trial

$0for 14 days
  • Multi-currency tracking
  • Budget vs actual panel
  • Custom categories & tags
  • Current month transactions
Start free trial

Pro

$7/month
  • Everything in Free trial
  • Full transaction history
  • Recurring auto-transactions
  • CSV export
  • Advanced analytics (6M, 1Y, all time)
Start free trial

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