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Nomad Budget

iPhone envelope-budgeting app built for holding accounts in many currencies

Not 'NomadBudget: Travel Spend' (App Store id6788666270), an offline trip expense logger from a different developer. This listing is nomadbudget.io, operated by Renato Mendoza.

Visit Nomad Budget

Research-based review, not hands-on testing. Last researched .

Overview

Nomad Budget is an iPhone app for people whose money sits in several currencies. Accounts can be held in any currency, balances convert to a home currency, and each transaction stores the exchange rate used when it was saved. Budgeting is envelope-style, with reports and data export. Everything is entered by hand; there is no bank connection.

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 a net worth view in one app
  • Data export and in-app account deletion are offered
  • Vendor states no ads and no sale of user data; TLS in transit and AES-256 at rest are documented in the privacy policy
  • Trial gives full access for 35 days, and data stays readable afterwards if you do not subscribe

Cons

  • iPhone only; no Android, web or desktop version
  • Pricing is inconsistent: the website says core budgeting is free forever, while the App Store and Terms say a 35-day trial, then a $6.99/month or $49.99/year plan
  • No CSV import yet (a roadmap item), so existing history cannot be brought in
  • Data lives on the vendor's servers behind an email account, so it is not local-first; no MFA or third-party audit is documented
  • No recurring transactions, credit card or debt tools were found in public documentation
  • Brand new (first App Store release June 2026), one-person operation, no ratings and no independent coverage found

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 stored per transaction, envelope budgeting, reports/insights, net worth view, data export, in-app account deletion

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.

Research-based profile, not hands-on testing. Refreshed on 2026-10-06 from the vendor site, terms, privacy policy and the App Store listing. I did not sign up, start a trial or connect a bank.

Cost

  • App Store in-app purchases: Premium $6.99 per month or $49.99 per year.
  • Trial: 35 days with full access. The Terms say it does not convert automatically; afterwards data stays readable, but creating or editing records needs a subscription.
  • The website tells a different story: core budgeting 'free forever' and premium add-ons 'coming later'. The App Store listing and the Terms say otherwise, so treat the site's free claim as unconfirmed until the vendor reconciles the pages.

Who runs it and how it is built

The Terms and privacy policy name a single operator, Renato Mendoza in Lima, Peru. The iOS app was first released on the App Store on 2026-06-24 (current version 2.0.0, same date). Data is stored on the vendor's servers (hosted in the US), encrypted with TLS in transit and AES-256 at rest per the privacy policy; sign-in is email and password. Closed source, no published audit, no MFA documented.

What is distinct

Currency handling is the whole idea: unlimited accounts in any currency, a base-currency view, and an exchange rate frozen on each transaction so history does not shift when rates move. Envelopes, reports and a net worth view sit on top of that.

Not confirmed

Recurring or scheduled transactions, credit card and debt handling, a reconcile workflow beyond a cleared flag, export file formats, budget sharing, multiple budgets, an Android or web version, independent reviews (the App Store shows too few ratings to display an average).

Notes

There is a different, unrelated app called 'NomadBudget: Travel Spend' (offline trip expense logger, different developer); this listing is for nomadbudget.io.

Ratings are set separately against a shared rubric.

Bottom line

A focused, brand-new tool for people juggling several currencies who are fine with manual entry and an iPhone. The mixed pricing messages and missing import, recurring items and debt tools are the main reasons to wait or to test during the trial.

Sources

Nomad Budget alternatives

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