Multi-Currency

1. Open Settings and find the Currencies section.
2. Under Additional Currencies, tick the box beside each currency you want to use. There is no Add button - the boxes are the whole control.
3. Currency pickers now appear on your accounts, assets and transactions so you can record each in its own currency.

Two controls on one card, doing different jobs:

• Primary Currency - a dropdown, and what everything is displayed in. Every total across the app, including net worth and budgets, is shown in it.
• Additional Currencies - a list of tick boxes, and the set you are allowed to record individual items in. Tick the ones you actually use. Your primary is not in the list, because it is always available.

Changing your primary currency recalculates every total, so your accounts, assets, budgets, goals and net worth all move to the new currency together. The currency you just moved away from stays ticked, so everything you already recorded in it can still be edited. Untick it if you genuinely want it gone.

Once you have more than one supported currency, an inline currency picker appears wherever you enter an amount:

• Bank and investment accounts.
• Manual assets and vehicles.
• Crypto and manual holdings.
• Real estate and liabilities.
• Transactions, bills and income sources.

The currency you pick is the one the item is saved in. Each item keeps its own currency, and Cadence Money converts it into your primary currency whenever it rolls up into a total. Only Canadian and US accounts can be linked to a bank; a GBP account is tracked manually. See Synced Accounts.

A few things follow the item’s currency automatically:

• Marking a bill as paid records the payment in the bill’s own currency, so a USD bill pays in USD.
• A transaction linked to a goal is converted into the goal’s currency before it counts, so a 50 USD transfer credits a CAD goal with its CAD value, not with 50.
• A transaction tied to a manual account in another currency is converted at today’s rate if you choose to update the account’s balance. See Transactions.

Under Settings → Currencies, a switch called Show Original Currencies decides how single items are shown. It is on by default.

• On - each transaction, bill, income source, account, asset and holding shows the amount it was recorded in, such as $45.00 USD. That covers lists and detail views alike, including Upcoming, the calendar, Explore, payment history and goal contributions.
• Off - single items are converted into your primary currency like everything else.

Either way, totals, budgets, charts, report figures, sorting and net worth stay in your primary currency, so they always add up. An amount in a currency other than your primary one always carries its code, so you can tell at a glance which figures were converted and which were not. Amounts in your primary currency show no code.

Cadence Money converts using daily exchange rates published by the Bank of Canada. Because those update once per business day, your converted totals reflect the most recent published rate rather than live intraday prices. A foreign-currency balance will not tick up and down with the market through the day.

If Cadence Money cannot reach the latest rates for a moment, it falls back to a recent approximate rate so your totals still load, then updates once live rates are available.

• With only one supported currency, no pickers appear and every amount is treated as your primary currency. There is nothing to convert.
• An item saved without a currency takes your primary currency, not Canadian dollars. That applies to a CSV import with no currency column as well as to a form with no picker on it.
• Each budget tracks a single currency. Spending recorded in another is converted before it counts toward that budget.
• Rounding amounts to the nearest dollar is a separate Appearance setting and has nothing to do with conversion. See Settings.