Sweden is nearly cashless and runs on Swish — and no US budgeting app connects to a Swedish bank. Cash Compass handles kronor natively, in Swedish, with no bank link.
Apple-native · No bank logins · iCloud sync
Copilot Money, Monarch and Rocket Money serve US accounts, and YNAB's automatic import doesn't reach Swedbank, SEB, Nordea or Handelsbanken. Budgeting in Sweden means manual capture whichever app you choose, so it should at least be one built for speed. Cash Compass logs an expense by voice in a couple of seconds, which is the difference between a habit that survives a week and one that lasts.
Set SEK at onboarding and every total, chart axis, share card and CSV export uses kronor. Cash Compass reads every ISO currency rather than a shortlist, so there's no rounding a krona-based budget into a dollar-shaped app. Swedish is one of the 33 translated languages and is set independently of currency.
Swish payments between people are so easy that they barely register as spending, and they're the transactions least likely to be described usefully by any feed. In a country where card and Swish cover nearly everything, the risk isn't losing cash receipts, it's losing track of dozens of small digital transfers. Capturing them at the moment they happen keeps categories accurate.
Voice, photo of a receipt, or 3-tap manual entry — every method takes under 5 seconds.
Cash Compass picks the category automatically. Override once and it learns your pattern.
Weekly chart shows where money went. Adjust caps before the month is over, not after.
There's no bank connection at all, so Swedbank, SEB, Nordea and Handelsbanken are equally supported. You record spending yourself, which also means BankID authorisation is never involved.
Yes — SEK is selectable at setup and changeable later, and all totals, charts and exports use it. Every ISO currency is available if you travel or earn abroad.
Yes, Swedish is among the 33 translated languages, and interface language is independent of currency, so a Swedish interface with SEK amounts is standard.
Unlimited manual logging forever, with no ads. Premium adds unlimited voice and receipt capture, full charts, CSV export and iCloud sync, priced in kronor with a 14-day free trial on the annual plan.
Built native for iPhone, iPad, and Mac with iCloud sync. Works offline.
No bank logins, no Plaid, no data sales. All data lives in your iCloud.
Manual entry, charts, category tracking — all free, forever. Premium is optional.
Swedish interface, Swish-era capture speed. Free manual logging on the App Store.
Download Cash Compass on the App Store