Blog
Notes on money, across borders.
Practical guides on multi-currency finance, budgeting, investing, and the path to financial independence. Written for people who take their money seriously.
Latest updates
Refer a friend: give a month, get a month
Refer a friend to Endute and they get their first month free. You get a month of your plan as credit once they subscribe. Your code is on the Refer a friend page now.
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Endute opens up: 45 guides and a public roadmap
Forty-five guides that explain the reasoning as well as the steps, and a roadmap you can vote on. What we launched, and why every claim was checked against the source code first.
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Debt Payoff Planner: Compare Five Methods on Your Real Balances
Most debt tools are calculators you feed once and forget. Endute's new Debt Payoff Planner compares five payoff methods on your real, automatically updated balances, and keeps watching after you commit.
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Connect Your Brokerage to Endute: Automatic Investment Tracking With Real Returns
You can now connect your brokerage account to Endute. Your holdings and full transaction history sync automatically, so you see your real investment returns, not just a balance, alongside your net worth.
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Best Personal Finance Apps for Expats and Multi-Currency Users (2026)
Most finance apps assume you live in one country and earn in one currency, so for expats and multi-currency lives almost none of them work. Here are the few that genuinely do, honestly compared.
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The Best Apps to Track Your Net Worth (2026)
Net worth is the one number that tells you where you really stand, and almost no app captures all of it. Here are the best apps to track it in 2026, judged on six tests most of them fail.
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How Finance Apps Categorise Your Transactions Automatically
Your bank statement is a wall of cryptic codes. Here is how a finance app turns it into clean, sorted categories automatically, and how to tell the apps that do it well from the ones that do not.
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How to Track Your Spending Across Multiple Bank Accounts
Money spread across a current account, savings, a couple of cards and a fintech app? Here is how to track your spending in one place, the four common options, and a simple setup that keeps the numbers honest.
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Dark Mode Is Here
Dark mode is here, one of your most-requested features. Choose Light, Dark or System in App Settings, and Endute matches your preference across the whole app.
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What Is a Personal Finance Dashboard? (And Do You Actually Need One?)
A personal finance dashboard pulls every account, your net worth, spending and investments onto one screen. Here is what it shows, who it actually helps, and how to get one.
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What Is a Cash Flow Forecast? How to Project Your Future Balances
Your bank balance today says almost nothing about whether you can afford next month. A cash flow forecast projects what is actually coming, so you can see the dip before you hit it.
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How to Manage Money Across Multiple Currencies: Budgeting, Net Worth and Investing When Your Money Spans Borders
If your money is spread across pounds, euros and dollars, the hard part is not holding it. It is seeing it all as one honest number. Here is how to budget, track net worth and invest when your finances span borders.
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Personal Savings Allowance Explained: What It Is, Why Higher Rates Mean You Might Owe Tax, and How to Stay Within It
Most savers have never paid tax on their interest. Higher rates have quietly changed that, and a tax-code letter is how many people find out. Here is how the Personal Savings Allowance works and how to stay the right side of it.
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Maternity Leave in the US: What You're Actually Entitled To and How to Plan Financially
Maternity leave in the US is mostly unpaid, and most parents are surprised by how little they actually get. Here is what FMLA covers, which states pay, and how to plan for the income gap before the baby arrives.
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UK Maternity and Paternity Pay Explained: SMP, SPP, Shared Parental Leave, and Planning the Income Gap
Having a baby changes your income before it changes anything else. Here is how statutory maternity pay, paternity pay and shared parental leave actually work in 2026/27, with worked examples at different salaries and a plan for the gap between your pay and your real outgoings.
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