Budgeting for people who earn, spend and save in more than one currency. Built for expats, aircrew, digital nomads and anyone living across borders.
One ledger, any number of currencies, and figures that always add up to each other.
Every account, card, loan and category can hold its own currency. Totals are shown in the base currency you choose, and the rate is locked at the moment you enter a transaction — so changing a rate later never rewrites your history.
Set a cap per category and a target per income source, add savings goals with a set-aside each cycle, and see what is genuinely left to spend once those goals are taken off. A savings assistant reads your own figures and says where the money went.
Enter income, expenses, transfers and card payments in one place. Cash sent to a card or a loan is shown separately as money moved, because paying a card down is not spending — counting it twice is the commonest way a budget stops adding up.
Import the bank or card’s own statement, run a month-end audit, and reconcile every balance against what the ledger says moved. Ask your ledger answers questions across any date range, with include and exclude filters.
Switch on notification access and Matrix Budget reads what your bank, Google Wallet or Samsung Pay apps post, picks out the amount, merchant and card, and puts an entry in front of you. Nothing is booked until you tap Add. When a notification states your balance, the app compares it with its own figure and tells you if they've drifted apart.
Everything is analysed and stored on the phone. Back up to any cloud folder you choose, share a backup in one tap, or export to Excel or PDF. Lock the app with your fingerprint or face.
| Price | Free to install. Premium is US$1.99 a month or US$14.99 a year, billed through Google Play. |
| Free trial | 14 days of Premium for new subscribers. Cancel in Google Play under Payments & subscriptions. |
| Availability | In final review at Google Play. The store link goes here the day it's public. |
| Platform | Android 7.0 or newer |
| Updates | Through Google Play |
| If you stop paying | The paywall still has a Back up my data button, so your figures are never held hostage. |
| Data | Held on your phone. No account, no ads. Only the day's exchange-rate request and the Google Play subscription check leave the device; see Privacy. |
Bought the US$5 download? Your copy keeps working exactly as it did, and its updates still come from your purchase email.