Your money crosses borders.Your budget should too.

YNAB + Splitwise for travelers, expats, and nomads. Multi-currency budgeting with AI-powered entry, real conversion rates, and built-in expense splitting.

Get Started FreeSee How It Works
Total Balance
$4,250.00
🇺🇸
Chase USD
Primary checking
$3,100.00
🇹🇷
Garanti TRY
Living expenses
₺39,100.00
≈ $1,150.00
Recent Activity
Rooftop Bar (Istanbul)
-₺300 ($7.05)
Split w/ Damla
+₺150

The tools you have weren't built for your life.

YNAB doesn't do multi-currency.

  • Single currency only
  • No real conversion tracking
  • Foreign transactions? Good luck.

Splitwise doesn't do budgets.

  • No envelope budgeting
  • No real conversion rates
  • Can't answer "what did that trip cost?"

Spreadsheets don't do fun.

  • Manual everything
  • No mobile experience
  • Error-prone & tedious

AI-Powered

Snap it. Say it. Done.

Your AI assistant handles the boring stuff. You just live your life. Snap a receipt, type "bar with Damla, split half-half" — Scout figures out the rest.

"Coffee at Starbucks"
Expense → Dining Out
"Bar with Damla, half-half"
Expense + debt split setup
Photo of Migros receipt
Auto-split: Groceries, Alcohol

Connect Claude or any MCP-compatible AI client to your budget. Record transactions by text, voice, or photo — in any language.

Learn more about the MCP connector
Scout MCP Connector 🐿️
Bar with Damla, ₺300. Split half-half.
Got it! Transaction saved.
Category: Dining Out 🍻
Amount: ₺300 ($7.05)
Damla now owes you ₺150 ($3.52)
Message Scout...

Multi-Currency

Think in dollars. Spend in lira. Budget in truth.

Every foreign purchase shows what it really cost you — not what Google says the market rate is today.

🐿️

The $7.05 Bar Tab Story

You're in Istanbul. You converted $141 to ₺6,000. Tonight at a rooftop bar: ₺300.

  • YNAB: Can't help. No multi-currency.
  • Lunch Money: "$6.95" (today's market rate). Wrong.
  • Flying Squirrel Club: "$7.05" — your actual cost at your specific conversion rate.

Multiply across a month. Lunch Money says $480. Flying Squirrel Club says $500. The difference came out of your bank account either way. Only one app told you.

Lot Created
$141 → ₺6,000
Locked Rate: $0.0235 / ₺1
Transaction
Spend ₺300
FIFO Cost Applied
$7.05
(₺300 × $0.0235)

Original Batch Rates

Know your real cost.

You converted $141 to ₺6,000. Every lira costs exactly $0.0235. Math doesn't lie.

1. Convert

$141 becomes ₺6,000.
A "Lot" is created.

2. Spend

Spend ₺300 at the rooftop bar.

3. Track

$141 in, $141 out.
Budget closes to zero.

See the hidden 2-3% bank spread as a visible expense — not a silent budget leak.

Expense Splitting

Split trips, not friendships.

Three currencies. Two friends. One tap to settle.

The Georgia Trip Story

"You and Damla in Tbilisi. Hotel ($100, USD card). Dinner (₺500, TRY card). Groceries (200 GEL, cash). Three currencies, two people. Flying Squirrel Club calculates it instantly: Damla owes you 92 GEL (~$26). She sends it. Trip settled. Friendship intact."

Debt Tracker

Track loans in stable currency even when payments come in local.

"I lent 150K TRY at ₺41/$. Now it's ₺43/$. Am I getting paid back?"

Trip Splitter

Split travel expenses across absolutely any currency combination.

"Hotel in USD, dinner in TRY, groceries in GEL — settled."

Household Bills

Ongoing bill splitting for roommates and couples across accounts.

"You paid electric ₺600, she paid internet ₺400. Net in USD?"

Global Coverage

From Istanbul to Buenos Aires to Bali.
Your money follows you.

TRY 🇹🇷USD 🇺🇸EUR 🇪🇺GBP 🇬🇧RUB 🇷🇺KZT 🇰🇿UAH 🇺🇦PLN 🇵🇱HUF 🇭🇺CZK 🇨🇿RON 🇷🇴GEL 🇬🇪THB 🇹🇭IDR 🇮🇩SGD 🇸🇬HKD 🇭🇰ARS 🇦🇷IRR 🇮🇷AUD 🇦🇺BRL 🇧🇷CAD 🇨🇦CHF 🇨🇭CNY 🇨🇳DKK 🇩🇰ILS 🇮🇱INR 🇮🇳ISK 🇮🇸JPY 🇯🇵KRW 🇰🇷MXN 🇲🇽MYR 🇲🇾NOK 🇳🇴NZD 🇳🇿PHP 🇵🇭SEK 🇸🇪ZAR 🇿🇦AED 🇦🇪AFN 🇦🇫ALL 🇦🇱AMD 🇦🇲AOA 🇦🇴AWG 🇦🇼AZN 🇦🇿BAM 🇧🇦BBD 🇧🇧BDT 🇧🇩BHD 🇧🇭BIF 🇧🇮BND 🇧🇳BOB 🇧🇴BSD 🇧🇸BWP 🇧🇼BYN 🇧🇾BZD 🇧🇿CDF 🇨🇩CLP 🇨🇱CNH 🇨🇳COP 🇨🇴CRC 🇨🇷CUP 🇨🇺CVE 🇨🇻DJF 🇩🇯DOP 🇩🇴DZD 🇩🇿EGP 🇪🇬ERN 🇪🇷ETB 🇪🇹FJD 🇫🇯GHS 🇬🇭GIP 🇬🇮GMD 🇬🇲GNF 🇬🇳GTQ 🇬🇹GYD 🇬🇾HNL 🇭🇳HTG 🇭🇹IQD 🇮🇶JMD 🇯🇲JOD 🇯🇴KES 🇰🇪KGS 🇰🇬KHR 🇰🇭KMF 🇰🇲KWD 🇰🇼KYD 🇰🇾LAK 🇱🇦LBP 🇱🇧LKR 🇱🇰LRD 🇱🇷LSL 🇱🇸LYD 🇱🇾MAD 🇲🇦MDL 🇲🇩MGA 🇲🇬MKD 🇲🇰MMK 🇲🇲MNT 🇲🇳MOP 🇲🇴MRU 🇲🇷MUR 🇲🇺MVR 🇲🇻MWK 🇲🇼MZN 🇲🇿NAD 🇳🇦NGN 🇳🇬NIO 🇳🇮NPR 🇳🇵OMR 🇴🇲PAB 🇵🇦PEN 🇵🇪PGK 🇵🇬PKR 🇵🇰PYG 🇵🇾QAR 🇶🇦RSD 🇷🇸RWF 🇷🇼SAR 🇸🇦SBD 🇸🇧SCR 🇸🇨SDG 🇸🇩SLE 🇸🇱SOS 🇸🇴SRD 🇸🇷SSP 🇸🇸STN 🇸🇹SVC 🇸🇻SYP 🇸🇾SZL 🇸🇿TJS 🇹🇯TMT 🇹🇲TND 🇹🇳TOP 🇹🇴TTD 🇹🇹TWD 🇹🇼TZS 🇹🇿UGX 🇺🇬UYU 🇺🇾UZS 🇺🇿VES 🇻🇪VND 🇻🇳VUV 🇻🇺WST 🇼🇸XAF 🏳️XCD 🏳️XCG 🏳️XOF 🏳️XPF 🏳️YER 🇾🇪ZMW 🇿🇲ZWG 🇿🇼

Automatic exchange rate fetching (ECB)

Historical rates for backdating transactions

Manual rate override when banks differ

Bank spread visibility & comparison

Envelope Budgeting

Every dollar has a job.
Every lira, too.

The budgeting method millions love — now with multi-currency that doesn't break when you cross a border.

  • Assign income to categories: Rent, Groceries, Travel
  • Categories roll over month-to-month
  • Foreign currency spending auto-converts at your real rate
  • Budget closes to zero. That's the whole point.
March Budget
$0.00 to assign
CategoryAssignedActivityAvailable
Rent (TRY)$600.00-₺18,500 ($555.00)$45.00
Groceries$400.00-$320.50$79.50
Travel Savings$250.00$0.00$1,450.00

Multi-User

Budget together. Even across continents.

Share accounts and categories with your partner — even across time zones. Everyone enters transactions from their device with real-time sync.

How Flying Squirrel Club compares

FeatureFSC 🐿️YNABLunch MoneySplitwise
Envelope budgeting
Multi-currency36 currencies160+Limited
Real conversion rate (FIFO)No (market)
Expense splittingDebt, trips, household
Cross-currency splittingPartial
AI transaction entryYes (any agent)
CSV import with AI mappingManualManual
Budget closes to zeroYes (single)N/A
Family / multi-userGroups
Bank spread visibility

Start budgeting across borders.

Your money already crosses borders. It's time your budget did too.

Get Started Free

🐿️ Nimble enough to follow your money anywhere.