Built for Expats

Manage your finances across borders

Living abroad? Keep track of your savings, expenses, and financial goals โ€” whether you're in Europe, Asia, or the Americas.

Free forever ยท No credit card ยท Setup in 60 seconds ยท Works on any device

Sound familiar?

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You earn in one currency but save in another โ€” tracking is a mess

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Subscriptions, rent, and bills in different currencies are hard to compare

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You have no clear picture of your net worth across countries

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Sending money home or to family is scattered across apps and spreadsheets

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You want to save strategically but don't know where to start

Everything you need to manage money abroad

Multi-Currency Remittance Hub

Track every transfer you send. Monitor exchange rates in real-time. See exactly when your money arrives and how it's spent.

Multi-currencyReal-time ratesTransfer history

Family Allowance System

Set monthly budgets for family members back home. They see their allowance. You see the spending. Full transparency, no awkward conversations.

Per-member budgetsSpending reportsReal-time alerts

Global Finance Dashboard

See all your finances in one place โ€” expenses in EUR, savings in PHP, investments in USD. Multi-currency, always synced.

Multi-currency viewLive syncPWA mobile app

Savings Goals & Challenges

Set savings targets for your return home, a house, or retirement. Daily and weekly challenges to build savings habit. Track progress with your family.

Goal trackingGroup challengesMilestone rewards
โ€œLiving in London, I needed one place to see my UK expenses and my savings back in Manila. Iponify makes it effortless.โ€
AR
Ana Reyes
London โ†’ Manila ยท Expat 3 years

Start free. Upgrade when you need more.

The OFW/Expat plan unlocks Remittance Hub, Family Allowance, and multi-household โ€” everything you need to manage finances across borders.

Personal (Free)

โ‚ฑ0

2 members, 30 transactions/mo

OFW/Expat

โ‚ฑ499/mo

~$9/mo ยท Unlimited members ยท Multi-currency

Not sure which plan is right for you?

Take our 2-minute quiz. Get a personalized recommendation + a free 30-day financial plan.