Your finances under your command.
No accounts. No servers.
CashBox stores every transaction exclusively on your phone. Blazing-fast 3-tap logging, genuine multi-currency with parallel exchange rates, and isolated investment projects with real ROI calculation.
Powerful engine underneath, zero-friction interface on top
Most finance apps force you to pick between clunky interfaces or numbers that never balance. CashBox solves both through uncompromising local-first engineering.
Verifiable Privacy (Zero Servers)
This isn't a vague marketing statement in a privacy policy: it is physical architecture. CashBox operates without backend servers, requires no sign-up or passwords, and includes zero third-party trackers or telemetry. All your balances live inside an encrypted SQLite database on your device.
True Multi-Currency with Frozen Rates
Engineered for dual-currency economies and parallel markets (official, blue, street rates). Each transaction permanently freezes its historical exchange rate: today's inflation never distorts your past financial records.
Projects with Isolated Capital & True ROI
Flipping cars, renovating a home, taking a major trip, or bootstrapping a side hustle? Each project acts as an isolated cost center with its own ledger. Track contributed capital, recoveries, break-even milestones, and actual ROI without muddying daily expenses.
Clear Accounts with Friends (Zero Friction)
Log who owes you or who you owe unilaterally—without forcing anyone to install or sign up for an app. Split dinners, record partial settlements, and generate clean payment receipts to share directly over WhatsApp or email.
Everything you need for everyday clarity
Designed so logging an expense never takes longer than spending the money.
3 taps and under 5 seconds from unlock
If logging a cup of coffee takes longer than 5 seconds, people abandon their tracker within two weeks. The native numeric keypad pops up instantly: type the amount, tap the category, done. Zero confirmation screens or loading spinners.
- Ergonomic numeric keypad optimized for single-handed use
- Intelligent category suggestions based on spending patterns
- Automatic double-entry bookkeeping: your balance always matches reality
Multi-currency designed for the real world
Standard apps rely on central bank APIs. But if you travel or live in countries with dual exchange rates, you know official quotes rarely match street reality. With CashBox, you configure your own quote sources and tags.
- Multiple labels per currency pair: Official, Parallel, Blue, or Crypto rate
- Pure integer minor-unit arithmetic prevents floating-point rounding errors
- Instant unified net worth conversion to your chosen primary currency
Loans, Mortgages, and Credit Cards
Stop tracking debts on scattered sticky notes. CashBox embeds real mathematical amortization schedules so you always know remaining principal and total interest paid.
- French (fixed payments), German (constant principal), and Simple amortization
- Detailed schedule showing interest vs principal breakdown per month
- Credit card statement cycle tracking with closing day and payment due alerts
Crystal-clear reports with dual valuation
Understand where your money flows without deciphering enterprise accounting sheets. Visualize your monthly cash flow, net savings rate, and evaluate balances at both historical exchange rates and current purchasing power.
- Visual category breakdown with custom avatars and themed colors
- Automated savings rate tracking (% income earned vs expenses paid)
- Consolidated net worth: personal accounts + capital invested across active projects
The Swiss Army knife in your pocket
Everything you expect from a premium fintech application, with zero cloud strings attached.
Biometric Security
Lock your numbers behind Face ID, fingerprint auth, or system passcode to ensure total device privacy.
Category Budgets
Set spending ceilings with visual progress indicators and subtle alerts when crossing 80% and 100%.
Direct Personal Cloud Backups
Export encrypted backup archives straight to your personal iCloud or Google Drive without intermediary servers.
Subscriptions & Recurring
Stay ahead of recurring bills, streaming subscriptions, and rent with clear due date reminders.
Curated Fintech Aesthetics
Sleek dark mode with tailored accent palettes (emerald, indigo, violet, amber) and rounded squircle cards.
CSV & JSON Full Export
Your data is always yours. Export your complete transaction history to Excel or external databases in one tap.
Why CashBox stands out
See how our architecture and values compare against mainstream cloud apps and spreadsheets.
| Capability | CashBox | Cloud Apps (Wallet, Spendee) | YNAB | Spreadsheets (Excel / Sheets) |
|---|---|---|---|---|
| Requires user account / login | ✓ Zero accounts (100% free) | ✗ Mandatory | ✗ Mandatory | ✓ None required |
| Data location | ✓ Only on your phone (SQLite) | ✗ Third-party servers | ✗ Cloud servers | Depends on folder |
| 100% Offline / Airplane Mode | ✓ 100% Functional always | ✗ Features locked | ✗ Requires syncing | ✓ Works offline |
| Multi-currency with parallel rates | ✓ Free manual rates | ✗ Only auto official rate | ✗ Single base currency | Manual but tedious |
| Isolated projects with ROI math | ✓ Isolated ledger books | ✗ Not available | ✗ Not available | Error-prone formulas |
| Entry speed | ✓ Under 5 seconds | ✗ Heavy, slow menus | Moderate | ✗ Clunky on mobile |
| Pricing model | ✓ No subscription traps | ✗ $40 to $70 / year recurring | ✗ $100 / year recurring | ✓ Free / Office license |
| Ad trackers & telemetry | ✓ 0 Trackers | ✗ Multiple SDKs & analytics | Internal analytics | ✓ 0 Trackers |
Frequently Asked Questions
Everything you need to know about the philosophy and inner workings of CashBox.