Money across borders,
measured honestly.
Track spending across currencies, accounts, and trips — and see the real cost of every conversion. The market rate. Your bank's rate. The difference, in full.
Your bank's exchange rate
isn't the real one.
Banks and fintechs profit from the spread between the mid-market rate — what currencies actually trade for — and the rate they offer you. This spread is rarely disclosed. Often it's the most expensive part of moving money abroad.
A traveler converts €500 to Indonesian Rupiah at a Denpasar ATM.
Most apps record this transaction as a clean conversion: €500 → Rp 7,617,000. No warning. No comparison. No way to know how much you actually paid for that conversion. Finsight records the truth.
Three steps, one honest view.
No bank connection required, no surveillance, no upsell. Just a clear ledger of what your money is doing across borders.
Set up your accounts
Add your bank, card, and cash accounts in any currency. Pick a reference currency — the one you think in. Everything else is normalized to it.
Record what happens
Log expenses, income, and conversions. Group them into spaces — a trip to Bali, a project in Berlin, your everyday life at home.
See the truth
Every conversion shows the market rate, your effective rate, the spread, and the cost. Aggregated, you get a six-month view of what you've lost to bank spreads.
The FX Drift box.
Every time you record a conversion in Finsight, this appears. It's the same anatomy every time: the market rate at the date of the transaction, the rate you actually got, the spread, and what it cost you in your reference currency.
A single line below tells you whether the rate was excellent, good, average, expensive, or — and we say it — very expensive.
How much did that conversion cost?
Pick the currencies. Enter what you sent and received. Pick the date. We'll fetch the European Central Bank's mid-market rate for that day and tell you the spread you actually paid.
Mid-market rates from the European Central Bank. Same source Finsight uses inside the app — record the same conversion there and the figures land in your FX Drift, aggregated across every swap.
Built for the way you actually live.
Multi-currency accounts
Bank, card, cash, or wallet — in any supported currency. Each account holds its native currency, no forced conversion.
A reference currency
Pick the currency you actually think in. Everything else is normalized to it, on the date of the transaction.
Spaces by context
Group activity by trip, project, or life context — solo or shared — each with its own spend total and optional limit.
Transfers between accounts
Move money between your own accounts, same or cross-currency, without logging it as spending. Balances stay honest.
Recurring & scheduled
Rent, salary, subscriptions, standing transfers and conversions — set them once and Finsight posts them on schedule.
FX Drift on every swap
Market rate, your rate, the spread, and the cost — surfaced on every conversion you record. No exceptions.
FX Drift over time
An aggregated view of what bank spreads have cost you. Concrete, summed, and pointed toward better choices.
Rate watchlist
Track any currency pair with its 24-hour move, alongside the pairs your own accounts already imply.
Historical exchange rates
ECB rates back as far as Frankfurter publishes. Past transactions get measured against the rate of their actual date.
Export everything
Download a multi-sheet spreadsheet of every account, transaction, transfer, and conversion — shared rows included, with attribution.
Manual entry
Add transactions and conversions by hand. No bank-link middleman, no third-party aggregator between you and your data.
Private by design
We don't sell or share your data. No ad networks, no analytics that follow you off the page.
Insights that read you back to yourself.
Once you've recorded a few weeks, the Insights tab turns your ledger into a picture: where your money sits, where it goes, and how the spread quietly adds up. Every figure is reconciled to your reference currency on the date it happened.
Net worth by currency held
Income − expense, last 6 months
Daily snapshots, your reference currency
Income by source
Where money came from, ranked — salary, freelance, refunds, transfers in.
Balance by account type
Net worth split across bank, cash, card, and wallet at a glance.
Recurring vs one-off
How much of your spend is locked in by schedules versus chosen each time.
Spend by category & space
Top categories and every space, ranked, with daily averages.
Runway & spending pace
Days of cash at your current burn, with a confidence read on the pace.
FX drift, dissected
Average spread, best and worst pair, biggest leak and win, annualized.
Money you share,
kept honest together.
A trip split four ways, a household run from two accounts, a project with a budget — Finsight keeps one shared ledger for all of it, and still tells everyone the truth about every conversion.
Designed with the same precision as the numbers.
Dark by default. Tabular figures throughout. A serif for hero balances. Restraint, where most fintech apps reach for a gradient.
I split my time between three currencies. Salary in one. Daily spending in a second. Travel in a third or fourth. Every month, money moved through banks, ATMs, and cards in ways I couldn't quite trace.
The thing that bothered me wasn't the conversion fees themselves — some friction is unavoidable. It was that no app would tell me, plainly, what each conversion had cost. The market rate sat in one tab. My transaction history sat in another. The two never met.
Finsight is the meeting place. It's the app I wanted: a clean ledger of what's mine, in any currency, with the spread on every conversion shown without flinching. If a bank quietly took €54 from me on a single ATM withdrawal, I want that on the record. Honesty about money, applied to my own.
The fine print, in plain terms.
Finsight uses the European Central Bank's daily reference rates as its mid-market source, served via the Frankfurter API. For pairs the ECB doesn't publish, it cross-rates through EUR. Historical rates are stored, so a transaction from last March is measured against last March's rate — not today's.