Money in hand.
Mind at ease.
CashOwl is the personal-finance app for people who want to understand where their money goes — without Excel pain and without bank APIs. Simple, offline, in your pocket.
- 4,8 ★3,200+ reviews
- 120k+active users
- 100%offline & ad-free
Everything you
need.
Nothing you
don't.
No bank connection, no hidden subscriptions, no data brokers. CashOwl runs on your device. Period. It's a principle, not a feature.
Many accounts, one view.
Checking, savings, cash, a joint account with your partner — all in one place. Without ever entering a banking password.
Log income & expenses in seconds.
Category, amount, done. Optionally add a photo of the receipt, a note, or a location. Fewer taps than posting an Instagram story.
Reports you can actually read.
Cash flow, savings rate, category trends — visual, not buried in jargon. See where your money really goes in 10 seconds.
Recurring entries.
Rent, Netflix, gym, salary — set it up once, book automatically. No busy-work on the first of the month.
Offline & private.
No forced cloud. No ads. No data sharing. Optional encrypted backup — but only if you want it.
Your own categories & tags.
Your life doesn't fit into 8 default categories. Build a system that mirrors how you think — with colors, icons, and sub-categories.
"A household ledger should show you where your money goes — not explain what cash flow means."
A clear view
in three steps.
You'll see the first results after a week. After a month, you'll know your finances better than most people ever will.
- i.
Set up accounts
Checking, cash, savings. Enter starting balances — 2 minutes, once.
- ii.
Log daily
Every expense, every inflow. 20 seconds a day. It's routine within a week.
- iii.
Spot the patterns
Open the reports after four weeks — and see things that will genuinely surprise you.
The
Guide.
In-depth articles on budgeting methods, savings tips, and the traps of everyday spending. Written for people who actually want to understand — without finance-bro posturing.
- Methods· 3 min read
Sort your finances in a weekend
Saturday to take stock, Sunday to decide and execute. Accounts, contracts, savings rate, insurance — what's in place by Monday evening runs on autopilot for years. The weekend reset for 95% of households.
Read more → - Saving tips· 2 min read
Car TCO: what your car really costs you per month
→ - Saving tips· 2 min read
Gift budget: the year without December shock
→
Your money.
Your view.
Start free. No account needed. No subscription, no catch. Lifetime-unlock optional, if you want it.