Budget in the currency you earn and track what you send home
If you're paid in dollars or euros and part of it reaches home as bolívares or pesos, Outlayr lets you see it all in one place. Pick the currency you earn in, log what you send as a transfer between your accounts or as an expense, and budget in that currency. Outlayr keeps the record. It doesn't send the money.
- Main currency
- The one you are paid in. Totals, budgets, and insights read in it
- Currencies
- 165, from dollars and euros to bolívares and pesos
- Rate
- From the day, or the one you got
- What you send
- A transfer between your accounts, or an expense in a category like Family
- Fees
- A fee on a transfer counts as spending. The transfer itself does not
- Free plan
- Log in any currency. Accounts in one currency, more with Pro
How it works
Pick the currency you earn in
Totals, budgets, and charts read in it.
Log what you send
A transfer between your accounts, or an expense in a category like Family.
Budget in the same currency
A monthly budget on Family for what you log there, and one more for the rest.
One currency to read everything in
In Settings, set Currency to the one your pay arrives in. Every total, budget, and chart reads in it. Anything you log in another currency, like bolívares or Argentine pesos, converts at the rate from that day and keeps it, so last month's entries don't move when the market does.
For a bolívar amount, Outlayr offers USD (BCV) and EUR (BCV), from the central bank's published rates. For other currencies, like pesos, it offers the Official rate, from Open Exchange Rates. My rate is always there, for the rate you actually got when you changed the money.
As a transfer, when the money stays yours
If the money goes to an account of yours that you also track in Outlayr, like a bolívar or peso account, log it as a transfer. The sentence reads like Move $300 from your dollar account to your bolívar account today. Pick the rate source or type your own, and Outlayr shows what arrives in the other currency.
If a fee was charged, add it on the side that paid it, included in the amount or on top. The fee counts as spending. The transfer itself doesn't, so it doesn't count against a budget.
A transfer between two currencies needs accounts in two currencies. The free plan holds accounts in one, and Outlayr Pro in as many as you need.
As an expense, when it goes to someone else
If the money goes to someone else's account, log it as an expense in the currency you paid, in a category like Family. Add Family from the suggested categories, or name your own.
An expense counts in your totals and in the budget on its category, which makes it the one to use for a monthly limit on what you send home.
Budget in what you earn
Log your pay as income, in the Paycheck category. Then set budgets in your currency: a monthly one on Family for what you send home, and one more for rent, groceries, or whatever else you spend on. Budgets can run by day, week, month, or year, and what you log in another currency counts at the rate from its day.
If you're paid on the 15th, set your month to start on the 15th in Settings, under Time frames, and budgets and insights run from payday to payday. The free plan includes 2 category budgets plus the overall one; Outlayr Pro has no limit.
Questions
Can Outlayr send money home for me?
No. Outlayr doesn't send or receive money. It records what you send, so you can see it next to the rest of your spending.
Should I log what I send as a transfer or an expense?
As a transfer when it goes to another account of yours that you track in Outlayr, like your own bolívar or peso account. As an expense when it leaves your accounts for someone else, in a category like Family. A transfer between your own accounts doesn't count as spending or against a budget. An expense does.
Does this work on the free plan?
Yes for logging: you can enter an expense in any of the 165 currencies, at the rate from that day or your own. The free plan holds accounts in one currency, so a transfer between a dollar account and a bolívar account needs Outlayr Pro.
Which exchange rate does Outlayr use?
The rate from the day of the entry. For bolívares you can pick USD (BCV) or EUR (BCV), from the central bank's published rates. For other currencies, like pesos, Outlayr offers the Official rate, from Open Exchange Rates. You can always type My rate, the one you actually got.
Track every expense in one sentence
Free to start. No ads on any plan.
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