MULTI-CURRENCY BUDGET · IPHONE AND ANDROID

Pay in their currency. Budget in yours.

Noma logs every expense in the currency you paid and adds it up in yours. Trips get their own group, Health shows where the month will land, and couple sync puts one budget on two phones, end-to-end encrypted.

Free on iOS and Android · No sign-up · No bank login · No ads

Availability varies by country.

Health figures are estimates from your own numbers, not financial advice.

See how it works ↓

Expense list for October 2026: Flat white with Sam, $12.50 in US dollars on the 20th, and €23.10 in euros on the 19th.

Noma Health tab for October 2026 in US dollars: cash flow this month and spending pace under budget.

Currency picker for a new expense: chips for AMD, EUR, RUB, TRY and USD, and an Add button.

01 · CURRENCIES

Each expense keeps the currency you paid.

Your currencies sit as chips under the amount. Tap one and the expense is saved in that currency, with the rate Noma used to convert it. Budgets, totals and Health all add up in your main currency, so a month across three countries is still one number.

Pick your main currency once.

Every amount you record is converted to it.

Your currencies screen: USD is the main currency, set once. Under Also track, EUR, AMD, RUB and TRY are on, and GBP, CHF, CAD and JPY are off.

Log it in the currency you paid.

Dollars and euros, side by side.

Expense list for October 2026: Flat white with Sam at minus $12.50 USD, then expenses in euros, each marked EUR.

It adds up in yours.

Daily totals and the month, in your main currency.

Daily Expenses for October 2026: a total for each day from Oct 20 back to Oct 14, and a month total of $3,191.78.

Log spending in 160+ currencies
Add a currency by its code
Rates saved on your phone after the first download, so logging keeps working offline

Daily reference rates from Frankfurter and ExchangeRate-API. Your bank or card rate will differ slightly.

02 · TRIPS

Trips get their own group.

Create a Travel group next to your monthly budget. Money in builds the trip fund, money out is what the trip costs, and the balance rolls over month to month until you use it. A 12-month strip shows each month's in and out, with a tick when you hit the month's goal.

Trip expenses + fund. Rolls over month to month.

Travel group for October 2026: an available balance of $1000.00, saved in and spent in 2026, a 12-month strip from Nov 2025 to Oct 2026 with a tick for each goal met, then money out of $1500.00 and money in of $1000.00 at 131% of the goal.

Create group screen with the Travel type selected and the group name Lisbon.

BUDGET AND TRAVEL, SIDE BY SIDE

Noma tab bar: Budget, Travel (selected), Savings, Health and Settings.

Saved in, spent in, and what's left for the trip.

03 · THE MONTH AHEAD

HEALTH

Know where the month will land.

Add your expected monthly income and Health paces your spending against it: cash out so far, projected cash out and projected net. Bills paid early don't count as overspending.

SAME MONTH · DARK THEME

The same Health tab in the Dark theme: Health, Investments and Setup tabs for October 2026, cash flow this month and spending pace under budget.

Estimates from your own numbers, not financial advice. Turn Health on at setup or in Settings › Features.

SAVINGS

Track what you put away, and what it's worth.

A Savings group tracks contributions toward a monthly goal. Enter what an account is worth and Noma shows contributed, withdrawn and growth.

EURO DEPOSITS · DOLLAR PORTFOLIO

Five euro deposits in the savings group, from +€500.00 EUR to +€250.00 EUR.

Savings group for October 2026: portfolio value $10,511.60 reported by you, with contributed, withdrawn and growth, and the monthly strip.

Investments can add a projection at a growth rate you choose: a hypothetical estimate, not advice.

04 · COUPLE SYNC

One budget on two phones.

Pair with your partner and you share one budget: expenses, incomes, savings, categories, budgets and currencies. Either of you can add or edit, even offline. Changes reach the other phone within about half a minute while Noma is open.

Pairing takes a link and six digits read aloud. The shared copy on Noma's server is end-to-end encrypted, so we can't read it. No name, email or password: sync sets up an anonymous account you can delete from the Sync screen. Groups you mark private stay on your phone.

Joining replaces the joining phone's budget, so Noma backs it up first.

Couple sync isn't a backup. Keep a backup file in Settings › My Data too.

How sync handles your data →

Couple sync screen: Log it once, you both see it. Some things stay yours. Encrypted so we can't read it. And the Pair with your partner button.

05 · PRIVACY

What Noma doesn't ask for.

Your budget stays on your phone unless you sync it with a partner, and then the shared copy is end-to-end encrypted.

Settings, My Data: Backup Data and Restore Data, with the note on the JSON backup file name.

Back up to a file you keep, from Settings › My Data.

No sign-up
No name, email or password.
No bank or brokerage login
You type what you spend.
No ads
No location access
Stays on your phone
Unless you sync it with a partner, end-to-end encrypted.
Backups are a file you keep
A JSON file, restored on a new phone or at setup.

Read the privacy policy →

Privacy policy updated November 4, 2026: it now says what we keep when you email us, that a sync account can be closed under the new Terms of Service, and where our contact details are.

06 · THEMES

Five themes. Same numbers.

Light, Dark, Digital Nomad, Digital Nomad 2077 and Immigrant. Each changes the palette and type, never the numbers. Pick one at setup and switch any time in Settings › Theme.

Noma setup screen in the Light theme — Lightplain

Noma setup screen in the Dark theme — Darkplain

Noma setup screen in the Digital Nomad theme — Digital Nomadwarm, sunlitDEFAULT ON A FRESH INSTALL

Noma setup screen in the Digital Nomad 2077 theme — Digital Nomad 2077neon, dark

Noma setup screen in the Immigrant theme — Immigrantmuted, monospaced

Start with your next expense.

Free on iOS and Android. Setup asks for your currencies and what you want to track, or restores a backup you already have.

Free · No sign-up · No bank login · No ads