Goldman Money is an independent personal finance app designed for people who earn, spend, save or invest across multiple currencies. It brings budgets, bank and brokerage accounts, investments, debts, goals and net worth together in one view, with totals displayed in a chosen base currency. This helps users understand what remains each month without manually converting balances or maintaining spreadsheets.

The app supports budgeting for everyday expenses, family remittances and investing, and lets users set savings goals with monthly targets. Its investment tools consolidate holdings across accounts, track transactions, cost basis, dividends, realized and unrealized gains, and calculate returns including ROI, annualized IRR and yield on cost. Users can organize investments into wallets, import brokerage CSV files, and view holdings in different currencies. Goldman Money also updates market quotes and exchange rates daily and provides historical price data for added assets. By connecting monthly budgets with long-term investments and net worth, the service gives people living between currencies a clearer picture of their overall finances and progress.