1. Trail Wallet: expense tracking by trip and currency. The interface is dated; the function is perfect. 2. Splitwise: splits rent, groceries, and utilities with housemates. Free tier covers everything students need. 3. YNAB: the gold standard for zero-based budgeting, at 14.99 USD/month. Worth it if you actually follow the method. 4. Wise: not a budget app, but its multi-currency account plus instant notifications make it a spending tracker by accident. 5. MoveReady (Android): $9.99 one-time unlock. Student budget planner plus the pre-departure checklist, no subscription. Sources: Numbeo Cost of Living Skip the pretty apps with no export function. You want CSV export for the day you do taxes or a visa renewal financial statement.
