Comparison
Toshl alternative for travellers and digital nomads
Toshl Finance and Nomad Budget side by side: a personal finance app with bank sync, and an expense tracker built for life across countries.
Toshl Finance is a well-known personal finance app with almost 200 currencies, bank sync in the US and Canada, flexible budgets and a web app. Many people who travel use it for its currency support. Its iPhone app was last updated in December 2024.
Nomad Budget is narrower: an expense tracker made for money spent across countries, without a bank connection. Here is how the two compare for someone on the move.
Which one is for you
Choose Toshl Finance if…
Toshl suits you if you want your whole financial life in one place — accounts, bank sync, bills — on iPhone, Android and the web.
Choose Nomad Budget if…
Nomad Budget suits you if what you need to follow is spending across countries: a wallet per country, the rate of each day, one total, and what each country cost you.
Toshl Finance and Nomad Budget, side by side
| Feature | Toshl Finance | Nomad Budget |
|---|---|---|
| Platforms | iPhone, Android and a web app | iPhone. Not on Android yet. |
| Updates | iPhone app last updated 13 December 2024 | Active; first released in 2026 |
| Built around | Accounts, categories and tags | One wallet per country, in that country’s currency; your trips and route are read from them |
| Currencies | Almost 200 currencies, including 30 cryptocurrencies | Every entry in the currency you paid in |
| Exchange rate kept per entry | Not stated in its listing | Yes: the rate of the day it was paid, kept for good |
| Total across countries | Across accounts, in your main currency | Everything adds up in one main currency you choose, and can change |
| Budgets | Budgets for any period, by category, tag or account, with rollover | A monthly budget with alerts (free); category and country budgets by the day or month (Pro) |
| Works offline | Not stated in its listing | Yes |
| Travelling with others | Sync across your own devices | Shared wallets with edit or view-only access. No bill splitting or “who owes whom”. |
| Receipt photos | Yes (paid plans) | No |
| Map | A map of expense locations | A 3D globe of where you’ve been and what each country cost, drawn from your entries |
| Compare countries’ costs | No | Yes: official price levels (World Bank ICP 2021, Eurostat) free; priced on your own spending with Pro |
| Bank connection | Yes, US and Canada (paid plan) | None, by design |
| Import and export | Imports bank files (CSV, Excel, QIF, OFX and more) in the web app | Imports CSV and Excel; exports CSV (Pro) |
| Free version includes | 2 financial accounts and 2 budgets | Unlimited entries, wallets and currencies, the globe, a monthly budget; one shared wallet, one goal, three recurring bills |
“Not stated in its listing” means we couldn’t confirm it from Toshl Finance’s own pages, not that it is missing.
The quickest way to judge is with your own spending: Nomad Budget is free on iPhone, and works without an account.
Where Toshl Finance is stronger
- Bank and card sync in the US and Canada.
- A web app for working on a large screen, and Android.
- More flexible budgets: any period, by tag or account, with rollover.
- Bill reminders and a wider view of personal finance than travel spending.
What Nomad Budget does differently
- Built for life across countries: a wallet per country in its own currency, created from where you are.
- Every entry keeps the exchange rate of its own day.
- No bank connection at all, by design — it works the same with cash, foreign cards and any bank in any country.
- A 3D globe of your route and of what each country cost you.
- The cost of your own way of living in another country, from official price levels.
- Unlimited wallets and currencies in the free version.
Moving from Toshl
Export your entries from Toshl, then import the file in Nomad Budget (Settings → Import). Nomad Budget knows the layout of Toshl’s export, and shows you a summary before anything is saved. An import can be undone for seven days.
Sources
Checked on 4 October 2026. Toshl Finance is made by Toshl Inc.; it is named here only to compare.