Your total savings across all currencies, converted to your home currency at today's rates. The colored bar shows how your money is split between currencies.
Budget
€0/ €0
Monthly Budget
Recent Activity
No recent transactions
The signal tells you if the current exchange rate is good (green = cheap, buy), neutral (yellow = fair), or expensive (red = hold off).
Account Optimizer
⚖
Where Should My Money Sit?
Interest breakdown & allocation insights
Loading account data...
Shows how much interest each account earns per year, your total interest in home currency, and suggests moves that could increase your overall return. Cross-currency suggestions factor in exchange rates but carry FX risk.
Accounts
New Account▼
Name
Currency
Type
APY %
Balance
Name
Balance
APY %
Deposit amount
Withdraw amount
APY Change History
Expenses by Category
No expenses recorded for this month
Conversion History
New Conversion▼
From Account
To Account
From Amount
To Amount
Category
Rate
Mid-Market Rate
Conversion Date
Deposit Date
Note
Counterparty
No transactions yet
Import Transactions▼
Drop CSV file here or click to browse
Preview
IOUs
New IOU▼
Person Name
Amount
Currency
Direction
Description
Total bill
Currency
Paid from account
Category
Description
Other people paying
Your share —
Records an expense of your share only. Each other person becomes an owed-to-me IOU.
Active
No active IOUs
Settled History▼
No settled IOUs
Settings
General
Home Currency
All values will be converted to this currency
ELI5 Mode
Show beginner-friendly explanations throughout the app
Currencies
Add Currency
Data
Export Transactions
Download all transactions as a CSV file
Backup Database
Save all app data as a JSON file
Restore Database
Replace all data from a backup file. This cannot be undone.
Cloud Sync
Sync across devices with end-to-end encryption. Your data is encrypted on this device with your passphrase before leaving — the server never sees plaintext.
Email
Passphrase
One secret — used both to log in and to encrypt your data. Use the same one on every device. If you lose it your cloud data cannot be recovered.
Account already exists for this email. If you've lost the passphrase and don't need any cloud-stored data, delete the account and register fresh.
Not synced yet
Encryption Passphrase
Signed in
Email Sync (Revolut via Gmail)
Sign in to Cloud Sync above first — email sync uses the same account for authentication.
A Gmail Apps Script parses your Revolut transaction emails and posts them here. Pull the inbox to import them as expenses/income, deduped by message id.
Default account for imports
Imports go here unless an inbox item specifies a hint matching another account name.
Machine tokens
Copy now — this token is shown once.
Setup
In Gmail, create a filter from:noreply@revolut.com and apply label Revolut/TX.
Open script.google.com · New project · paste the script from apps-script/RevolutInbox.gs in this repo.
Project Settings · Script properties · add API_URL = the Worker URL and API_TOKEN = the machine token you minted above.
Triggers · add a time-driven trigger calling processInbox every 15 min.
Run processInbox once manually to grant Gmail permissions, then come back and click Pull inbox.
About
Version1.0.0
Data sourceECB via frankfurter.app
StorageIndexedDB (on-device)
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Add to Home Screen
Tap the Share button ↑ at the bottom of Safari
Scroll and tap Add to Home Screen
Tap Add in the top-right
Must be opened in Safari (not Chrome on iPhone) for this to work.
Pair
Live Rate
Net P&L
Live Rate = what 1 unit of the source currency buys you now. Net P&L = how much you've gained or lost on your conversions so far (rate movement + interest earned).
Exchange Rate History
This chart shows the exchange rate over time. The dashed line is your average conversion rate. Yellow dots mark your past conversions. Drag the slider to see "what if the rate were X" — it'll show your hypothetical profit or loss.
Currency Strength
Pair
Rate
1D
1W
1M
Shows how each currency pair has moved recently. Green = the destination currency got cheaper (good to buy). Red = it got more expensive.
P&L Breakdown
A detailed view of where your gains/losses come from: interest earned on savings, exchange rate movements, conversion fees, and what would have happened if you hadn't converted.
Fee & Spread Tracker
Shows the total cost of spreads across all your conversions. The spread is the difference between your actual exchange rate and the mid-market rate. Lower is better — it means you're getting rates closer to the real market price.
Timing Quality
Compares your average conversion rate to the average market rate during the same period. If you beat the average, your timing was good.
Conversion Timing Score
⏱
Timing Analysis
Based on 30-day hindsight
For each conversion, we check the best rate available in the 30 days after you converted. This score shows how close your timing was to optimal.
No hindsight data available yet. Historical rates are needed to analyze conversion timing.
Quick Simulator
From
To
Amount
Type an amount to see what you'd get in the other currency, how it would affect your average rate, and the extra interest you'd earn per year.
Rate Alerts
New Alert▼
Pair
Condition
Threshold
No alerts set
Analytics
Spending by Category
No expenses this month
Monthly Spending Trend
Income vs Expenses
Interest Today
Daily Accrual
Per-account breakdown▼
How much interest you're earning today across all your savings accounts. Each account earns daily interest based on its APY (annual percentage yield) divided by 365.
Interest Earned
Last 30 days (credited)
Last accrual
never
Recent accruals▼
Interest that has actually been added to your account balances. Compounds daily on app launch — same way Revolut accrues interest.
Idle Cost
If any of your accounts earn less interest than your best account, this shows how much extra you'd be making if that money were in the higher-yielding account instead.
Projections
Estimated future earnings based on current APY rates and balances. Monthly interest edge = how much more you earn per month by having funds in the higher-APY currency.
Tax Summary▼
Tax Year
An estimate of taxable amounts from your currency conversions. Interest earned and realized FX gains may be taxable depending on your jurisdiction. Consult a tax professional.