Accounts with different currencies

[doga]

📝 Feature Description

The currency should be settable per-account rather than application-wide, as is currently the case.

The application can still have an application-wide currency setting for providing a consolidated view of the user's finances. This consolidated view would take up-to-date exchange rate numbers into account.

🛑 Problem Statement

In v0.1.2, the currency is an application-wide setting, and all created accounts are in that one currency.

This limitation makes the application unusable for many high-net-worth and multinational individuals. For example, many Swiss residents would wish to have at least one account in Swiss Francs, and at least one other account in Euros.

🎁 Benefits

This feature would help this application target the widest possible user base.

🖥️ OS

Both

✍️ Additional Context

No response

📜 Code of Conduct

• ✅ I agree to the Code of Conduct

[theperu]

Hi @doga! Thanks for bringing this up 🙌 This feature is already on our roadmap! To make sure we implement it properly, we’ll also need to support up-to-date exchange rates.

[doga]

Hello @theperu , glad to hear about the roadmap. 👍

You might have noticed that the per-account currency feature and the consolidated view feature are actually two different features. The latter depends on the former, and the exchange rates are only required for the latter, obviously.

There are some web APIs that provide exchange rates for free, but you probably knew that already.

The Money Wiz 3 app that I am using starts to be sort of dated, and that's how I stumbled upon your app. Flutter is the right choice for a mobile app, and hopefully the app will become production-ready some time in the future. But if not, that's OK also. Best.

[theperu]

I agree that we could implement one without the other but I also think that it would make the app confusing when we need to aggregate data and show it to the user. For example if you have accounts and expenses both in Euro and Dollars how can I aggregate in order to show you your monthly expenses if I don't have exchange rates?

About the web APIs we are evaluating many of them (ideally free) but we haven't choose one yet. We are also checking for APIs that would cover stocks, bonds and other financial assets in the meantime. If you have any suggestions it would be great and could speedup the process for sure 😁

[doga]

You can always show aggregate numbers for each currency separately, but you knew that already.

Also, there is the fact that app users are very blasé nowadays. They will ask for many other features beyond aggregation, such as hooking the app into their existing bank accounts.

A commercial-grade app gets very complex very quickly, and not everyone is up for it; keeping things at the amateur level is always an option.

While I am at it I will say this:

• Making this app open source is a great idea, because others can now fork your project.
• But there's no guarantee that the app that people see on App Store isn't derived from a different codebase entirely, because native apps are binary blobs. Things are somewhat different for webapps.

[doga]

Update: my GitHub account has been the target of a phishing attempt in the days that followed my previous comment here. Coincidence? No way. Posting this here so everyone knows what's going down. Some apps aren't to be recommended.