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PennyRa

PennyRa

Earn USD. Live Anywhere. Budget in Any Currency.

21 currencies. Live ECB rates. No US bank account required. The only budget app built for the reality of global remote work.

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Free plan available · No credit card required

Why PennyRa Is Best for You

1

Earn in One Currency, Live in Another

Paid in USD from a US company while living in Portugal, Thailand, or Colombia? PennyRa converts every paycheck to your local currency automatically — using live ECB rates. One dashboard, all currencies.

2

Separate Work & Personal Expenses for Tax Time

Create custom categories like "Home Office", "Equipment", and "Internet" alongside your personal spending. Export a clean CSV when tax season comes — wherever in the world you file.

3

Works With Wise, Revolut, N26 — Any Bank Worldwide

YNAB, Mint, and Copilot require a US bank account via Plaid. PennyRa uses CSV import — the format every bank in the world supports. Wise, Revolut, N26, local banks, everything works.

Key Features

  • 21 currencies with live ECB rates
  • USD/EUR income tracked in your local currency
  • CSV import from Wise, Revolut, N26 and 135+ banks
  • Custom categories for home office tax deductions
  • Free plan — no credit card, no US bank account needed

Try PennyRa Free — 14 Days

pennyra.com

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