Multi-Currency Support

Projected Cash Flow provides comprehensive multi-currency support, allowing you to track and manage accounts in different currencies while maintaining a unified view of your finances.

Overview

Multi-currency support enables you to:

Track accounts in any of 40+ supported currencies
View automatic conversions to your primary currency
See unified Net Worth across all currencies
Project cash flow for foreign currency accounts
Manage international debts and investments

How It Works

Automatic Currency Detection

When you connect your accounts through Lunch Money, Projected Cash Flow automatically detects each account's native currency. The currency information is pulled directly from your bank data, ensuring accuracy.

Primary Currency

Your primary currency is automatically set based on your Lunch Money configuration. This becomes your "base" currency for:

Net Worth calculations
Unified reporting
Cash flow projections
Debt snowball calculations

Currency Conversion

All foreign currency accounts are automatically converted to your primary currency using the to_base field provided by Lunch Money. This ensures:

Consistent conversion rates across all features
Real-time exchange rate updates
No manual conversion needed

Setting Up Multi-Currency

Step 1: Configure Lunch Money

Ensure your Lunch Money account has:

Your primary currency set correctly
All your foreign currency accounts connected
Multi-currency feature enabled (if required by your plan)

Step 2: Connect to Projected Cash Flow

Go to Settings in Projected Cash Flow
Enter your Lunch Money API key
Your accounts will automatically sync with currency information

Step 3: Verify Currency Display

Check that your accounts show the correct currency symbols:

USD accounts show $
EUR accounts show €
GBP accounts show £
And so on for all supported currencies

Supported Currencies

We support all major world currencies:

Americas

USD ($) - US Dollar
CAD (C$) - Canadian Dollar
MXN ($) - Mexican Peso
BRL (R$) - Brazilian Real
ARS ($) - Argentine Peso
CLP ($) - Chilean Peso
COP ($) - Colombian Peso
PEN (S/) - Peruvian Sol

Europe

EUR (€) - Euro
GBP (£) - British Pound
CHF (Fr) - Swiss Franc
SEK (kr) - Swedish Krona
NOK (kr) - Norwegian Krone
DKK (kr) - Danish Krone
PLN (zł) - Polish Złoty
CZK (Kč) - Czech Koruna
RUB (₽) - Russian Ruble
UAH (₴) - Ukrainian Hryvnia

Asia-Pacific

JPY (¥) - Japanese Yen
CNY (¥) - Chinese Yuan
KRW (₩) - South Korean Won
AUD (A$) - Australian Dollar
NZD (NZ$) - New Zealand Dollar
SGD (S$) - Singapore Dollar
HKD (HK$) - Hong Kong Dollar
INR (₹) - Indian Rupee
THB (฿) - Thai Baht
MYR (RM) - Malaysian Ringgit
PHP (₱) - Philippine Peso
IDR (Rp) - Indonesian Rupiah
VND (₫) - Vietnamese Dong

Middle East & Africa

AED (د.إ) - UAE Dirham
SAR (﷼) - Saudi Riyal
ILS (₪) - Israeli Shekel
ZAR (R) - South African Rand
NGN (₦) - Nigerian Naira
KES (KSh) - Kenyan Shilling
EGP (£) - Egyptian Pound
TRY (₺) - Turkish Lira

Features with Multi-Currency

Net Worth Calculation

Your Net Worth automatically combines all accounts across currencies:

Each account balance is converted to your primary currency
Debt accounts in foreign currencies are properly subtracted
The total shows in your primary currency format

Cash Flow Projections

Project your future balances with multi-currency support:

See when foreign currency accounts might run low
Plan international transfers with confidence
Account for currency fluctuations in your planning

Debt Snowball Calculator

The debt snowball method works across currencies:

Debts are ordered by balance in your primary currency
Extra payments are calculated correctly
Interest savings account for currency differences

One-Time Transactions

Add future transactions in any currency:

Select the account's native currency
Amount converts automatically for projections
Perfect for planning international purchases

Use Cases

International Freelancers

If you receive payments in multiple currencies:

Track USD client payments
Monitor EUR project income
See total earnings in your home currency
Plan taxes with accurate conversions

Digital Nomads

Managing finances while traveling:

Local currency accounts for each country
Credit cards in different currencies
Unified view of total finances
Easy expense tracking across borders

International Investors

For global investment portfolios:

Track foreign stock accounts
Monitor international real estate
See total portfolio value
Plan currency diversification

Expatriates

Living abroad with home country ties:

Salary in local currency
Home country savings
International mortgage payments
Family support transfers

Best Practices

Account Organization

Name accounts clearly: Include currency in account names (e.g., "EUR Savings")
Group by currency: Use account filtering to view specific currencies
Set up categories: Create spending categories for each currency if needed

Currency Management

Monitor exchange rates: Be aware of major currency movements
Plan transfers wisely: Time international transfers for favorable rates
Keep buffers: Maintain slightly higher balances in foreign accounts

Reporting

Regular reviews: Check Net Worth weekly to spot currency impacts
Export data: Download reports for tax preparation
Track trends: Monitor how currency changes affect your wealth

Troubleshooting

Account Shows Wrong Currency

If an account displays the incorrect currency:

Check the account settings in Lunch Money
Refresh the account connection
Contact support if the issue persists

Conversion Seems Incorrect

If conversions don't look right:

Verify your primary currency setting
Check when exchange rates were last updated
Compare with current market rates

Missing Currency Symbol

If you see a currency code instead of symbol:

This happens for less common currencies
The conversion still works correctly
Contact support to request symbol addition

Technical Details

Data Flow

Lunch Money API: Provides account balances and currencies
Currency Detection: We read the currency field for each account
Conversion: We use the to_base field for converted amounts
Display: Native currency shown with appropriate symbol
Calculations: All math done in primary currency

Performance

No additional API calls for exchange rates
Conversions cached for fast performance
Real-time updates when you refresh accounts

Security

Currency data encrypted in transit
No storage of exchange rate history
Conversion happens server-side for accuracy

Frequently Asked Questions

Can I change my primary currency?

Your primary currency is set in Lunch Money. Change it there and it will update in Projected Cash Flow.

How often are exchange rates updated?

Exchange rates update whenever you sync your accounts with Lunch Money, typically daily.

Can I see historical exchange rates?

Currently, we show current conversions only. Historical rates are not stored.

What if my currency isn't supported?

We support all currencies that Lunch Money supports. If you need a specific currency, contact Lunch Money support first.

Do you charge extra for multi-currency?

No, multi-currency support is included in all Projected Cash Flow plans at no additional cost.

Get Started

Ready to manage your international finances?

Ensure your Lunch Money account has all your foreign accounts
Connect or refresh your Projected Cash Flow integration
Start seeing your unified financial picture

Need help? Contact our support team for assistance with multi-currency setup.

🗄️Multi-Currency Support