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. Parity 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 Parity, 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 Parity 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, or cash — in any supported currency. Each account holds its native currency, no forced conversion.
Spaces by context
Group transactions by trip, project, or life context. Each space has its own currencies and a private spend total.
A reference currency
Pick the currency you actually think in. Everything else is normalized to it, on the date of the transaction.
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.
Historical exchange rates
ECB rates back as far as Frankfurter publishes. Past transactions get measured against the rate of their actual date.
Private by design
We don't sell or share your data. No ad networks, no analytics that follow you off the page.
Manual entry
Add transactions and conversions by hand. No bank-link middleman, no third-party aggregator between you and your data.
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.
Parity 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.
Parity 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.