vaultpennyMulti currency bookkeeping with separate personal ledgers

Create one ledger for the money you track in CNY and another for money held in USD, for example. Select the correct currency when creating each ledger. That choice determines how amounts are entered and displayed, including the number of decimal places. The currency cannot be changed after creation.

Within a ledger, add only accounts that use its currency. A CNY cash account and a CNY bank account can share a ledger; a USD account belongs in a USD ledger. Naming the ledger and accounts clearly makes it easier to check the unit before you enter a transaction.

A total of CNY 1,000 and a total of USD 200 do not add up to a meaningful 1,200. To report them in one unit, you would need a chosen exchange rate, a date for that rate, and a rule for any conversion fee. vaultpenny currently does not perform that conversion or show a consolidated total across currencies.

Review account balances and budget progress within each ledger. If you need a converted overview, export the ledgers separately and calculate it in a spreadsheet using a rate and date you record yourself. Keep the original currency amounts available so the converted figure can be explained later.

The ordinary transfer form moves equal amounts between accounts in the same ledger. It cannot connect a CNY account to a USD account or calculate a rate. For a manual record of an exchange, use balance adjustments for the actual decrease in the source ledger and the actual increase in the destination ledger, with a clear exchange reason and matching notes.

These are two independent records, not a linked exchange feature. Check both entries before relying on the balances; there is no automatic rollback of the other ledger if one entry is missing. Record a separately charged conversion fee as an expense only if it is not already included in the amount leaving the source account, so the fee is not deducted twice.

A budget uses the currency and calendar period of its ledger. Expenses and linked refunds in that ledger determine its usage. Set separate limits for each currency based on the money available in those accounts, rather than copying the same numeric amount between currencies.

A linked refund must refer to an expense in the same ledger. If a return arrives in a different currency, the product does not link it across books automatically; keep explanatory notes and review the two currency records separately. The homepage currency selector changes only the demo's sample unit and resets its samples. It is not a live exchange-rate calculator.