Paycheck here. Rent here. Family back home. Savings somewhere else.
You earn in one currency and live in two. Do you know what's left this month?
Goldman Money puts your budget, accounts and investments in one picture, in the currency you think in. No more adding dollars and home currency in your head.
Sound familiar?
You get paid in dollars, send money home, and still can't say what was left this month.
The exchange rate moved and the budget broke, even though you didn't spend more.
Money here, money back home, and no idea how much you really have.
Savings back home that never show up when you plan the month.
It's not that you don't have money. It's that two currencies don't fit in one head.
What is Goldman Money?
Most finance apps were built for one currency in one country. Goldman Money was built for people who earn, spend and invest in more than one, and still can't tell if the month left anything.
Goldman Money is an independent personal finance app for people who live in more than one currency.
Investments
Investments back home, invisible in the month.
Money invested in one country adds to your net worth and disappears from the decisions you make in another.
Positions, cost basis and dividends sit next to your accounts and your budget, so every gain is measured against the rest of your money. Open any asset and see its whole story: every buy, sell and dividend, in every account that holds it.
Real return
Investing, or parking money the exchange rate eats?
A return without time and currency is a guess. Two years and two months are different stories, and so are two currencies.
For every asset, Goldman Money works out ROI, annualized return (IRR) and yield on cost from your own transactions, and splits realized from unrealized gains. Lots follow FIFO, so you know which shares are long-term and which are short-term before you sell.
Security detail
VXUS
VXUS - Total International Stock ETF
10/09/26
71.40
Realized gains
Unrealized gains
Lot breakdown
| Date | Description | Shares | Cost Basis |
|---|---|---|---|
| 10/09/24 | Initial Purchase (Long Gain) | 120 | $5,997.60 |
| 12/13/25 | Sell (Long Gain) | -20 | $999.60 |
| 05/12/26 | Initial Purchase (Short Gain) | 40 | $2,684.64 |
| 04/17/25 | Move Shares In | 60 | $3,341.52 |
Accounts here and there
Same money, two countries, no total.
Each bank and broker only sees its own slice. Your real position lives nowhere.
The same asset across every account adds up to one position, with a breakdown per broker. Moved shares between brokers? The cost basis travels with them. Import your broker's CSV and the history comes in, splits and options included.
VXUS in All Accounts
VXUS in Ion Brokerage
VXUS in Atlas Brokerage
Daily rates
The rate moves every day. Your spreadsheet doesn't.
Copying prices and exchange rates by hand is how a total ends up wrong without anyone noticing.
Quotes and exchange rates update automatically every day. Add an asset and up to five years of price history come with it.
Securities
Last quote update: 10/08/26 09:00 PM · Next update: 10/09/26 09:00 PM
- VXUSTotal International Stock ETF$71.40$0.38
- VTITotal Stock Market ETF$318.20$1.12
- SCHDUS Dividend Equity ETF$28.45$0.09
- BNDTotal Bond Market ETF$73.10$0.05
Currencies
Paid in one currency. Living in another.
Adding balances in different currencies without a base currency gives you a number that doesn't exist.
Each account keeps its own currency, transfers convert at the rate, and everything adds up in your main currency.
- CanadaCADCA$86,400.00
- United StatesUSD$128,400.00
- EuropeEUR€36,900.00
- JapanJPY¥4,200,000
Net worth
What you really have, in the currency you think in.
Income shows what you earn. Only net worth over time, across every currency, shows if you are moving forward.
Your net worth month by month, with every account, investment and debt in it.
Net worth
Monthly net worth trend
Budget
Money you send home is a commitment, not a surprise.
Without its own line in the budget, what goes to family shows up after the 20th as a hole in the month.
Before the month starts, every dollar gets a place, including what goes home and what goes to investing. Went over the limit? Goldman Money doesn't block you. It asks why.
October 2026 budget
- Groceries$342.48 / $360.00
- Housing$480.00 / $480.00
- Transport$127.78 / $140.00
- Restaurants$209.24 / $180.00
Overspent. $209.24 of $180.00
- Leisure$36.57 / $160.00
Overspending reflection
Restaurants
$29.24 over
Why did this happen?
My mom's birthday.
Goals
"I'll save whatever's left." Nothing's ever left.
A goal without a monthly amount is just a wish.
Say how much and by when. Goldman Money works out how much to save each month and, when the month closes with money left, it goes to your goal.
Emergency fund
to go
This goal's limit
$250.00
Needed per month
$100.00
- Emergency fund
- Trip
- First home
- Wedding
- Car
Portfolio
Wallets in different currencies. One total you can read.
A flat list of positions in mixed currencies hides the question that matters: how much do you actually have?
Group your holdings into wallets and sub-wallets: long term, dividends, retirement, whatever you call them. Every wallet shows its value, today's change, gain, ROI and IRR for everything inside it. Prefer one list? Switch to flat. Need another currency? See it all in dollars, euros, Canadian dollars or yen in one click.
Portfolio
All accounts
Wallets
Type a price and every total (value, gain, ROI, IRR) updates on the spot, before you save it.
- NYSE and Nasdaq
- B3
- London
- Toronto
- Frankfurt
- Mumbai
- Shanghai
Quotes come in every day.
Bank sync
Your bank, connected.
Connect your bank and transactions come in on their own (Pro). Prefer files? Import OFX or CSV; duplicates are skipped and rules sort the rest.
Import complete
april-statement.ofx
- 128 transactions processed
- 3 duplicates ignored
- 2 transfers matched
- Rule applied: Groceries → Food
One place
Stop switching between apps.
Bank here, bank back home, broker, spreadsheet, transfer app. Your money shouldn't live in six different places.
- Bank
- Broker
- Spreadsheet
- Budgeting app
- Dividend app
- Exchange
On any screen
Real screens, the way you'll use them.
On your phone, tablet or computer. What changes on one screen shows up on the others.
Choose the plan that fits how you manage money.
Start today and grow at your own pace.
Basic
Ideal for personal and family control.
- Account and Budget control
- Financial reports
- Support for 1 main currency
- Loan management
- CSV/OFX import
- Up to 4 workspaces
- Up to 4 members in owned workspaces
- MCP
Pro
For investors and advanced management.
- Everything in Basic, plus:
- Multi-currency support
- Investment tracking (stocks, REITs, etc.)
- Automatic bank import
- Portfolio performance analysis
- Up to 8 workspaces
- Up to 8 members in owned workspaces
- MCP
* Lifetime access plans guarantee continued use of the platform, subject to a fair-use limit of up to 1,000,000 recorded transactions per account.
Frequently asked questions
What investors ask before connecting their accounts.
Yes, through Plaid on the Pro plan. You can also import OFX or CSV statements.
Yes: positions, quotes, cost basis, dividends and performance, on the Pro plan.
Yes: ROI, annualized return (IRR), yield on cost, realized and unrealized gains, and FIFO lots split into long and short term.
Yes. Quotes and exchange rates update every day, and new assets come with up to five years of history.
Yes, the asset detail exports to PDF with metrics, lots and every transaction.
Yes. Import your broker's investment CSV (Quicken format included): buys, sells, dividends, splits and options come in, and imported rows are never duplicated.
Yes, on the Pro plan. Each account keeps its own currency and totals show in the currency you think in.
Yes. Give what you send home its own line in the budget, so it's a planned commitment, not a surprise after the 20th.
Yes. Connect ChatGPT, Claude or another MCP-compatible assistant; it only changes something after you approve.
No. Goldman Money is an independent personal finance app. It isn't a bank and has no affiliation with Goldman Sachs or Marcus.
No ads, no selling your data, encryption, and read-only access when available.
Security
Your data belongs to you.
Goldman Money exists to help you make better financial decisions, not to sell your attention.
No ads
No banners, no distractions. The screen is yours.
No data selling
Your numbers aren't the product. We never sell your information.
No conflict of interest
We earn from subscriptions, by being useful, not by holding your attention.
- You control what you connect
- Your data is encrypted
- Read-only access where available
Find out what's left this month.
Bring your accounts, currencies and investments together and close the month knowing what is left, in the currency you think in.