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Orbit Money

Multi-currency finance tracker with budgets, bank feeds and cash-flow forecasts

This is orbitmoney.co, a personal finance web app. orbitmoney.com is an unrelated money-transfer business, and a Product Hunt listing with the same name describes an AI/API spend tracker, not this product as far as could be told.

Visit Orbit Money

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

Overview

Orbit Money (orbitmoney.co) is a web-based finance tracker built around multi-currency accounts, net worth, budgets versus actual spending, and a cash-flow forecast from recurring items. It offers bank sync (through Plaid, per its blog), CSV import, goals and freelancer invoicing. It is a general money dashboard rather than a strict envelope or zero-based budgeting tool.

Best for: People with accounts or income in several currencies who want budgets, net worth and cash-flow projections in one web dashboard

Pros and cons

Pros

  • Multi-currency tracking with combined net worth is a core feature, not an add-on
  • Cash-flow forecast built from recurring income and expenses, plus a runway estimate
  • Bank sync and CSV bulk import are included in the lowest paid tier
  • Bank linking goes through Plaid with a read-only token, per the vendor's own blog (not verified independently)
  • Goals can be linked to an account so progress updates automatically
  • Vendor states AES-256 at rest and TLS 1.3 in transit, never sells data, and offers export and deletion

Cons

  • No free tier; a 7-day trial is the only way in. The home page says no card is needed, while the FAQ says to cancel before the trial ends to avoid a charge, so check which applies
  • Budgeting is category spending against a limit; no envelope or zero-based workflow is documented, and no credit-card handling, debt payoff or reconciliation workflow was found
  • Mobile is unclear: the site says it is a responsive web app with a native app on the roadmap, yet an Android app by an individual developer exists (100+ downloads); no iOS app found
  • Very small, new user base. The 4.9/5 rating, 500+ users and testimonials are the vendor's own claims and could not be checked independently; no independent reviews found
  • Pricing is hard to read: $5/mo shows next to '$60 billed annually', monthly-billing price is not shown, Pro is waitlist only, and several listed features are marked 'coming soon'
  • Privacy policy is generic (names no legal entity, mentions advertising cookies); no MFA or independent audit is documented, and the security page its policy points to returns 404

Features

  • Envelope budgeting not confirmed not confirmed
  • Automatic bank sync included
  • Manual transaction entry included
  • Goal tracking included
  • Debt payoff tools not confirmed not confirmed
  • Investment tracking included
  • 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, net worth, budget tracking, cash-flow forecast and runway, goals, recurring transactions, auto-categorisation rules, tags, CSV and bank-statement import, reports, freelancer invoicing, investment portfolio (higher tiers)

Our review

Short version

Orbit Money (orbitmoney.co) is a web-based finance tracker built around multi-currency accounts, net worth, budgets versus actual spending, and a cash-flow forecast from recurring items. It offers bank sync, CSV import, goals, freelancer invoicing and (on higher tiers) investment tracking. It is a general money dashboard more than a strict envelope or zero-based budgeting tool.

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

What is distinct

The angle is global money for people who earn or hold several currencies: accounts in any currency roll up to a home-currency net worth with daily exchange-rate updates, and the forecast and runway views come from recurring items. The founder's About letter describes freelancing across currencies as the origin. Budgeting itself is deliberately light (category limits against spending, plus a blog that suggests four broad buckets and a weekly review).

Cost

  • Starter: $5/month shown beside '$60 billed annually'. The page advertises 'get 2 months free' on annual, and the price when billed monthly is not visible in the page text.
  • Pro: $10/month beside '$120 billed annually'; it is a waitlist only.
  • Lifetime: $99 one time, 'limited spots', described as everything in Pro (Pro is not launched yet).
  • 7-day trial on paid plans, no free tier. The home page says no card is required; the FAQ says to cancel before the trial ends to avoid being charged. These two lines do not match.

Bank sync, import and mobile

Automatic bank sync is in every paid tier. The vendor's blog says it uses Plaid with a read-only token; which banks and countries work is not documented beyond a row of logos. CSV and statement import are included. Mobile: the FAQ says it is a responsive web app with a native app on the roadmap, but a Google Play app by an individual developer exists (100+ downloads, updated 2026-09-11) and describes a simpler expense-entry app. No iOS app was found.

Privacy

The vendor says data is encrypted with AES-256 at rest and TLS 1.3 in transit, is never sold, and can be exported or deleted. The privacy policy (January 2026) is generic, names no legal entity, and mentions advertising and analytics cookies. No MFA, audit or independent verification is documented, and the security page the policy refers to returns a 404.

Who it suits / who will struggle

Suits freelancers and expats juggling currencies who want a net worth and runway view. People who want envelope-style planning, debt payoff, reconciliation or a mature mobile app will not find those documented here.

Not confirmed

Founded year; iOS; monthly-billing price; bank coverage by country; shared budgets; independent reviews and the vendor's 4.9/5 and user counts; whether the trial needs a card. Features marked 'coming soon' on the pricing page (shared accounts, business profiles, subscription tracker, cashflow report) are roadmap, not shipped.

Ratings are set separately against a shared rubric (57 of 100 points on 2026-10-06; read-only bank access now documented).

Sources

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