How to Track Multiple Currencies in Notion (Step-by-Step)

If you earn in USD but spend in EUR, or you have accounts in multiple countries, tracking your finances in a single currency doesn't work. You need a system that handles currency differences at the right level—without forcing you to manually convert every transaction.

This guide explains exactly how Notion Finance Tracker handles multi-currency, which properties to use, and how to set things up so your net worth and budgets stay accurate.

How currency works in the template

Currency is set at the account level, not the transaction level.

When you create an account (checking, savings, credit card, investment, etc.), you set its Currency property once:

Accounts database
├── Name: "Chase Checking"
│   └── Currency: USD
├── Name: "Revolut EUR"
│   └── Currency: EUR
├── Name: "Revolut USD"
│   └── Currency: USD
└── Name: "Interactive Brokers"
    └── Currency: USD

Every transaction linked to that account inherits the currency automatically via a formula property (Currency✨). You don't select currency on each expense or income, it's derived from the account.

This keeps things simple: you record a transaction, link it to an account, and the currency follows.

Cross-currency transfers

The interesting part is moving money between accounts with different currencies.

The Transfers database has these key properties:

Example: Moving €500 from Revolut EUR to Chase USD

1. Create a transfer with From: Revolut EUR, To: Chase Checking
2. Set Amount: 500 (the €500 leaving)
3. Leave Exchange Rate✨ empty

The app automatically fetches the current EUR→USD rate and fills it in. If you transferred at a specific rate (say, 1.08), you can enter it manually and the app won't override it.

The system creates the matching income/expense entries on each account so balances update correctly.

Budgeting across currencies

The Budget database has its own Currency property. This lets you budget in your local spending currency even if your net worth is tracked in another.

Budget database
├── Category: "Groceries"
│   ├── Type: Expense
│   ├── Currency: EUR
│   └── Planned: 400
└── Category: "Rent"
    ├── Type: Expense
    ├── Currency: EUR
    └── Planned: 1200

When you record expenses in your EUR account and link them to these budget categories, the Progress✨ formula shows how much of your budget you've used—in EUR.

If you have expenses in multiple currencies hitting the same budget category, the app converts them to the budget's currency for accurate tracking. This does not affect the accounts balances, only the budget progress.

How net worth handles multiple currencies

Net worth is calculated by converting all accounts to your base currency (set in the app settings).

The app:

1. Takes each account's balance in its native currency
2. Fetches current exchange rates
3. Converts everything to your base currency
4. Sums assets and liabilities

This happens automatically. You don't need to update exchange rates manually.

What this means in practice

• Your EUR checking account shows €5,000 in Notion
• Your USD brokerage shows $20,000 in Notion
• Net worth view shows everything converted to your base currency (e.g., $25,932 if your base is USD)

Common scenarios

Paid in USD, living in Europe

1. Create your salary account in USD
2. Create your spending accounts in EUR
3. Record salary as income to the USD account
4. Transfer from USD to EUR as needed (exchange rate auto-filled)
5. Budget in EUR
6. Track net worth in whichever currency you prefer

Multiple investment accounts in different currencies

1. Create each brokerage account with its native currency
2. Record trades in each account (the Currency✨ formula handles it)
3. Net worth combines all investments at current exchange rates

Travel spending

If you travel and spend in local currency, you can either:

• Create a dedicated "Travel" account in that currency
• Use your regular credit card (in your home currency) and let the card handle conversion

The first approach gives you accurate local spending data. The second is simpler.

What the app handles automatically

• Exchange rate lookups for transfers (when you leave Exchange Rate✨ empty)
• Currency conversion for net worth calculations
• Budget progress across mixed-currency expenses
• Real-time rate updates for reports

You can always override the auto-filled rates if you transferred at a specific rate.

Next steps

• — see how currency conversion fits into the bigger picture
• — setting up your budget categories