Florin: Multi Currency Money

Made for money that lives in more than one country. Budgets and goals in every currency, Apple Pay and voice logging, and nothing ever leaves your phone.

Money, wherever you live.

Florin is a money manager for people whose money does not stay in one country. Keep accounts in dollars, euros, rupees, or yen. Spend in one currency, save in another, and still see one honest net worth, converted live. And it is private the old-fashioned way: everything stays on your iPhone. No account, no cloud, no tracking.

I built Florin when my own money split across two countries and every app I tried either wanted my bank login or fell apart at the second currency. It had to do neither, and logging had to take seconds: the day it becomes a chore is the day you stop.

LET THE TEXT DO THE TYPING Your bank already texts you every time money moves. Forward one to Florin and it comes back parsed and categorized, in whatever currency the text arrived, and a one-time Shortcuts automation can do the forwarding as texts come in. Florin never reads your messages: iOS does not allow it, and you decide what gets sent. Receipts, PDFs, and screenshots share in from any app too, or just paste. Every capture waits in a review inbox for a tap to confirm, and duplicates are caught before they log twice.

OR JUST SAY IT Say "Log to Florin" and speak the expense in your own words. Siri fills in the rest and confirms out loud, without opening the app or even unlocking your phone.

AND APPLE PAY ARRIVES ON ITS OWN Tap to pay and the purchase is waiting in your review inbox, merchant and amount filled in. One automation sets it up, installed in a tap.

BUDGETS AND GOALS THAT SPEAK CURRENCY Cap your overall spending, or any single category. A month split across two countries still adds up to one number, with a nudge at 80 percent and another when you cross the line, and unspent room can roll into next month. Savings goals keep their own currency (a trip saved for in yen stays in yen), work out a pace per week, month, or quarter, and can reserve money inside an account so you never spend what you promised yourself. Category and trend charts show where it all went, by month, year, or all time.

YOUR DATA IS JUST A FILE Import bank and card statements from CSV or Excel, with column mapping that remembers each bank's layout. Back the whole ledger up to a single Excel file that restores perfectly, or let Florin snapshot it into your own iCloud Drive as you close the app, so a new phone picks up where the old one stopped. Restoring is always free. Coming from Money Manager? One import.

NOTHING TO BREACH There is no server and no account. Even the web dashboard runs without a cloud: your phone serves your ledger to a browser on your computer over your own Wi-Fi, and your AI assistant connects the same way, able to read and suggest but never write. Face ID or a passcode locks the app, and the only thing Florin ever fetches is exchange rates.

FREE AND PRO The core is free forever: unlimited transactions, capture from bank texts, Apple Pay, and voice, three accounts, statement imports, CSV backups, one budget, and one savings goal. Pro adds budgets for every category, unlimited goals and accounts, the web dashboard and AI access, year and all-time insights, iCloud and Excel backups, and receipt photos.

Florin is a personal expense tracker. It does not connect to bank accounts, move money, or give financial advice.

FLORIN PRO Founder Lifetime is a one-time purchase of $39.99. Florin Pro Annual is an auto-renewable subscription of $14.99 per year. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the current period ends. You can manage or cancel a subscription in your Apple Account settings.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://florin-ios.vercel.app/privacy.html