# Orbit Money review > Multi-currency finance tracker with budgets, bank feeds and cash-flow forecasts Source: https://budgetingapps.org/apps/orbit-money (researched 2026-10-14). Research-based review, not hands-on testing. *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.* ## Summary 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 ## Key facts - Website: https://www.orbitmoney.co/ - Price: Starter shows $5/month beside '$60 billed annually'; Pro $10/month beside '$120 billed annually' (waitlist). Monthly-billing price not shown.; $60/year; lifetime: $99 ($99 one time, 'limited spots'; described as everything in Pro, though Pro itself is still a waitlist) - Rating: 3.1/5 - Free plan: no - Free trial: 7-day free trial on paid plans - Platforms: Android, Web - Budgeting method: Expense tracking, Financial management, Forecasting - Bank sync: Yes, in all paid tiers; the vendor blog says it uses Plaid with a read-only token. Bank and country coverage not confirmed - Mobile apps: Android app on Google Play (100+ downloads, last updated 2026-09-11, simpler feature set described); iOS not found; site says responsive web app, native app on roadmap - Import: CSV bulk import and bank statement import; FAQ says data can be exported or deleted at any time - Multiple budgets: Not confirmed - Team: Founder-led; the Play listing names an individual developer (Zohaib Hussain Hashmi, Pakistan), while the privacy policy says only 'headquarters in the United States' - Privacy: Vendor FAQ: AES-256 at rest, TLS 1.3 in transit, never sells data. Policy (Jan 2026) is generic and mentions analytics/advertising cookies. Play data-safety: no data shared with third parties, deletion on request. ## Features - Envelope budgeting: not confirmed - Automatic bank sync: yes - Manual transaction entry: yes - Goal tracking: yes - Debt payoff tools: not confirmed - Investment tracking: yes - Bill reminders: not confirmed - Reports & charts: yes - Multi-currency: yes - Shared / household budgets: not confirmed - Separate logins for shared budgets: not confirmed ## 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 ## 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 - [Orbit Money home page (FAQ, comparison, pricing)](https://www.orbitmoney.co/) (retrieved 2026-10-14) - [Orbit Money pricing and plan comparison](https://www.orbitmoney.co/pricing) (retrieved 2026-10-14) - [Orbit Money privacy policy (Jan 2026)](https://www.orbitmoney.co/privacy-policy) (retrieved 2026-10-14) - [Orbit blog: bank connections with Plaid](https://www.orbitmoney.co/blog/connect-bank-accounts-safely-with-plaid) (retrieved 2026-10-14) - [Orbit Money about page](https://www.orbitmoney.co/about) (retrieved 2026-10-14) - [Google Play listing (updated Sep 11, 2026)](https://play.google.com/store/apps/details?id=com.orbitmoney.app) (retrieved 2026-10-14)