Your salary in dollars. Your savings in reais.
Bortoh is the AI finance app built for people who live across borders.
TL;DR
Bortoh is a free AI-powered finance app with native multi-currency support for 9 currencies, daily exchange rates, and unified net worth tracking. Designed for expats who manage money across countries. Unlike YNAB (broken multi-currency) or Copilot (USD-only), Bortoh was designed from day one for people who earn in one currency and spend in another.
The expat money problem
You earn in one currency and spend in another, but no app understands this. YNAB creates separate budgets per currency. Copilot only supports USD. Your spreadsheet can't auto-convert.
Exchange rates change daily, but your budget doesn't update. You're always guessing whether you're ahead or behind because your net worth depends on today's FX rate.
Tax season is a nightmare. Foreign accounts, foreign income, FBAR reporting. most finance apps pretend this doesn't exist.
You switch between banking apps in different languages and currencies just to get a full picture of your money.
How Bortoh solves this
Multi-currency chaos
Every transaction stores the native amount + automatic conversion at the daily rate. See your full net worth in your base currency, always accurate.
FX rate guessing
9 currencies with daily exchange rate updates. Bortoh shows FX impact on your net worth. you know exactly how rate changes affect you.
Tax complexity
Flag deductions year-round, classify income by source (W-2, 1099, Foreign), track quarterly estimated payments, and export tax-ready reports your accountant will love.
Fragmented banking
One dashboard for Chase, Nubank, Wise, and any other account. Chat with Bortoh in your language to manage everything in one place.
Frequently asked questions
Bortoh supports 9 currencies with daily exchange rate updates: USD, BRL, EUR, GBP, CAD, AUD, JPY, CHF, and MXN. More are being added regularly.
Yes. Add accounts from any country. Bortoh tracks them all in their native currency and converts to your base currency automatically.
Yes. Bortoh classifies income sources (W-2, 1099, Capital Gains, Foreign) and flags deductions throughout the year. Export tax-ready PDF/CSV reports for your accountant.
Bortoh was built by a team of expats who manage money across countries every day. The multi-currency features exist because we needed them ourselves.