CashDiary - Money Manager

Track expenses, plan budgets, and manage money across 30+ currencies — on a private, offline-first app built for people who want control of their data. CashDiary is a personal finance manager and expense tracker that keeps your transactions on your phone. No account required, no forced sync, no spending data shipped to a server. Whether you're logging daily expenses, building a household budget, paying down debt, or tracking spending across borders, CashDiary handles it in one place. 🔒 Private by Default Your transactions live on your phone. Optional Google Drive backup is fully opt-in and tied to your own account. 🎙️ Voice Input — 24 Languages Speak your purchase and CashDiary parses the amount, type, and category instantly. Logging in seconds, no typing. 📸 Receipt OCR — On-Device Snap a receipt and on-device AI fills in amount, date, and time. Photos and recognition never leave the phone. 🤖 Smart Add Habit-prediction chips suggest the most likely category and amount based on past entries. Most logging takes one tap after a few weeks. 💱 Multi-Currency & Travel Mode Record in 30+ currencies with daily exchange rates. Create a Trip with a date range and base currency — matching transactions auto-tag and auto-convert. Clear warnings appear if cached rates fall stale. 💳 Credit Cards Track multiple cards with interest rates, statement and due dates, and shared credit limits. Pay bills atomically — money moves cleanly between bank and card every time. 🏦 Bank Accounts & Cash Wallet Unlimited bank and savings accounts plus a cash wallet that tracks exact banknote and coin denominations for true physical-cash bookkeeping. 💰 Loans & 📉 Debt Payoff Planner Add or import loans with full amortization, extra payments, and live interest recalculation. The built-in planner runs both Snowball (smallest first) and Avalanche (highest interest first) on your real debts and projects payoff dates side by side. 📊 Budgets & Alerts Monthly budgets per category in three modes: traditional, 50/30/20, or zero-based. Friendly nudges at 80% and on overage — capped at one alert per day. 🎯 Savings Goals & 📈 Investments Set savings targets standalone or linked to real accounts. Track stock and crypto holdings with FIFO cost-basis accounting and live market value in your base currency. 📊 Reports & Net Worth Category pie charts, monthly income vs. expense bars, and a unified Net Worth view across cash, banks, savings, investments, credit cards, and loans. 🔁 Recurring Transactions Schedule daily, weekly, monthly, or yearly entries. Balance checks run before auto-creation — no surprise overdrafts. ☁️ Backup, Restore & Export Local backups in Excel, CSV, or native format. Optional Google Drive auto-backup. Export multi-sheet Excel workbooks or formatted PDFs with full Thai, Arabic, and CJK rendering. 📱 Widgets & Shortcuts Four home-screen widgets — today's spending, monthly summary, quick add, overview. Long-press the app icon for two-tap entry. 📤 Share to CashDiary Share text from any app or a receipt photo from your gallery — the entry form opens pre-filled. 🔐 Lock & Screenshot Protection 6-digit PIN plus fingerprint or face unlock. PIN and recovery screens are blanked from screenshots and the recents thumbnail. 🌍 26 Languages, 20 Themes English, Thai, Japanese, Korean, Chinese, Spanish, French, German, Arabic, Hindi, Indonesian, Vietnamese, and more. 20 Material 3 themes with full dark mode. ✨ Free & Premium Core expense tracker, budget planner, voice input, OCR, and multi-currency are free. Premium unlocks the investment tracker, debt payoff planner, and exclusive themes. CashDiary — expense tracker, budget app, money manager, debt planner, and travel wallet in one private place. Download free and take control of your money today.