One-time-purchase Mac app for envelope-style budgeting with data kept in a local file
- Envelope
- Zero-based
- Expense tracking
Nomad Budget
iPhone envelope-budgeting app built for holding accounts in many currencies
Research-based review, not hands-on testing. Last researched .
Overview
Nomad Budget is an iPhone app that lets users hold accounts in several currencies, converts balances to a home currency, and stores the exchange rate used on each transaction. It uses envelope-style budgeting and includes reports and data export. It is aimed at travelers, expats and remote workers.
Best for: iPhone users whose money is spread across several currencies and who want envelope budgeting without doing conversions by hand
Pros and cons
Pros
- Multiple currencies with automatic conversion to a base currency; each transaction keeps its own exchange rate
- Envelope-style budgeting plus reports and net worth view in one app
- Data export and account deletion are offered
- Vendor states no ads and no sale of user data
Cons
- iPhone only; no Android, web or desktop version
- Pricing is inconsistent: the website says core budgeting is free with no trial clock, while the App Store says 35-day trial then a subscription
- No CSV import yet (listed as a roadmap item); users start fresh
- Data sits on the vendor's servers with an account, so it is not local-first
- Brand new with no ratings or independent coverage
Features
- Envelope budgeting included
- Automatic bank sync not confirmed not confirmed
- Manual transaction entry not confirmed not confirmed
- Goal tracking not confirmed not confirmed
- Debt payoff tools not confirmed not confirmed
- Investment tracking not confirmed not confirmed
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency included
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Multi-currency accounts, automatic exchange rates, envelope budgeting, reports/insights, data export
Our review
Short version
Nomad Budget is an iPhone app that lets users hold accounts in several currencies, converts balances to a home currency, and stores the exchange rate used on each transaction. It uses envelope-style budgeting and includes reports and data export. It is aimed at travelers, expats and remote workers.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Not stated; App Store says subscription after trial, site says core budgeting is free
- Not stated
- Trial: 35-day free trial per App Store listing
Not confirmed
Founding year; Actual subscription prices and whether a permanent free tier exists; Release/update dates and version history; Manual entry, goals, debt payoff, bill reminders, investment tracking, shared budgets; Export file formats; Independent reviews.
Notes
Website: free forever core with premium add-ons 'coming later'. App Store: free with in-app purchases, 35-day trial then monthly/yearly subscription. Pages disagree; no prices stated.
Ratings are set separately against a shared rubric.
Nomad Budget alternatives
Subscription budgeting web app with envelope-style planning, bank sync and multi-asset accounts
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- Zero-based
- Expense tracking
Simple envelope budgeting without the bloat
- Envelope
- Zero-based
- Expense tracking