Free
Multi-currency and exchange rates
Keep accounts in different currencies in one app. Lipi converts at the rate of the day, with a currency converter and rate history.
Problems it solves
- I get paid in dollars and spend in another currency, and my total is always a guess.
- A spreadsheet converts old expenses at today's rate, so last year's numbers are wrong.
- I want to check the USD to NPR rate and its recent trend without opening another app.
- The official Nepal Rastra Bank rate and the rate I actually got are not the same.
What it is
Lipi is a multi-currency expense tracker that gives every account its own currency. You can keep an NPR bank account, a USD account and a cash wallet side by side. A free Currency page converts between currencies, shows the rate history and lets you refresh the rates.
What problem it solves
If you earn or save in dollars, your real position changes every day with the exchange rate. Lipi keeps the rate used on each transaction’s date, so old numbers stay correct and the total in your default currency makes sense. It also stores the Nepal Rastra Bank (NRB) daily rate apart from the market rate, because they are different numbers.
How it works
- Open Accounts and add an account with the currency you hold, for example USD. The list of currencies comes from the server, so it always matches what Lipi can convert.
- Add a transaction to that account. The editor shows the rate to your default currency, for example “Market rate” with the date, and a button to use it. You can type the rate you actually got instead.
- Open Currency in the side menu to use the converter. Pick two currencies, type an amount and swap the direction with the arrows.
- Scroll to the history chart and table to see the daily rate and change. Tap the refresh button to fetch the latest rates.
- Change your default currency in Settings > Profile. Lipi revalues converted amounts when you do.
Details and rules
- Plan: the Currency page, converter, history, refresh and rate alerts are free. The Currency dashboard widget is Premium. Free accounts can have 2 accounts, Premium has no limit.
- Rates are dated. Lipi never uses “the latest rate” for an old transaction. Each conversion uses the rate of the transaction date and the rate source.
- Two sources. Market rates and the daily Nepal Rastra Bank (NRB) rate are stored separately.
- Sync. Rates are synced from a daily feed, checked hourly.
- Missing rate. If no rate exists for that pair and day, Lipi asks you to enter it. Totals skip the amount rather than invent a rate.
- Float. Foreign balances move with the exchange rate. Lipi shows balances in their own currency as well as the converted total.
- Offline. You can add transactions offline and they sync later. Refreshing rates needs a connection.
Works with
Ask an AI assistant
Connect Lipi to ChatGPT or Claude and ask: “Convert 500 USD to NPR at the rate on 1 July” (convert_currency), “What was the NRB rate for USD last Friday?” (get_exchange_rates) or “Which currencies can I use in Lipi?” (list_currencies).
For AI assistants
Lipi’s MCP server gives an assistant these tools for this feature:
convert_currencyget_exchange_rateslist_currencies
Questions and answers
Does Lipi support multiple currencies?
Yes. Every account has its own currency, for example an NPR account and a US dollar account. Totals are shown in your default currency, converted at the rate of the day each transaction happened.
Which rate does Lipi use for a back-dated transaction?
The rate for that date, not today's rate. Lipi stores exchange rates by date and by source, so an old transaction keeps the rate of its own day.
What if Lipi has no rate for a currency on a day?
The editor asks you to type the rate you got, which is useful for remittances. Totals skip a missing rate instead of guessing one.
Does Lipi use the Nepal Rastra Bank rate?
Lipi stores the daily rate published by Nepal Rastra Bank (NRB) separately from the market rate, because tax rules use the NRB figure. The assistant tool get_exchange_rates can return either source.
Is the currency converter free?
Yes. The Currency page with the converter, history chart, refresh and rate alerts is free. Only the Currency dashboard widget needs Premium.
Can Lipi do multi-currency like other expense apps?
Yes, for tracking. You can hold accounts in different currencies, move money between them with a transfer, and convert at a dated rate. Lipi does not move real money or connect to bank accounts.
Last updated:
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NEPSE index and gold rates in Lipi
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