sortdspending trackerHow to track spending in more than one currency
By Raj and the Sortd team · Last updated 11 October 2026
The clean way to track spending across currencies is to keep each purchase in the currency you paid in, and convert it to your home currency at that day's exchange rate only when you add things up. That way a coffee in Tokyo stays ¥480, and your month still has one total you can read.
Why it gets messy
A trip, or living between two countries, usually means more than one card and more than one bank app. Each one shows its own currency and its own list. Rates change every day, and your bank adds its own rate and fees, so the number on the receipt and the number on the statement rarely match.
What to look for in a tracker
- It keeps the original amount and currency for every purchase.
- It converts with the rate from the day of the purchase, not today's rate.
- It shows totals in one home currency that you choose.
- It handles cards from different countries side by side.
How Sortd handles it
Sortd is a free iPhone spending tracker built for people with cards in more than one country:
- If Apple Pay sends the currency with the amount, Sortd uses it. If not, a tap in a shop uses the currency of the country you're in, which Sortd reads from your iPhone's time zone. A payment in an app or on a website uses the card's currency.
- Purchases in other currencies are converted to your home currency at that day's European Central Bank rate. On weekends and holidays the most recent earlier rate is used.
- It covers 30+ currencies. You pick your home currency in Settings › Currency.
- Every card gets its own page, so a card from home and a card from abroad stay apart.
Converted amounts are estimates. Your bank's rate and fees may differ a little.
More guides: tracking Apple Pay spending automatically and planning a monthly budget.
Questions
Does Sortd work when I travel?
Yes. Purchases are saved in the local currency and converted to your home currency at that day's European Central Bank rate.
Which exchange rate does it use?
The European Central Bank's daily reference rate for the day of the purchase. On weekends and holidays, the most recent earlier rate.
Will the total match my bank statement?
Close, but not always to the cent. Your bank uses its own rate and may add a fee.