Cashowa Money Tracker

Track your whole financial life for free — spending, budgets, net worth, and goals. Add AI when you want a plan, an answer, audit your business or help cutting a bill.

Cashowa is the money app that shows you everything — for free — and brings in AI only when you want it.

TRACK EVERYTHING, FREE • Dashboard: net worth, this month's spending, and income vs. expense at a glance • Spending reports by category, merchant, and trend — month, quarter, or year • Budgets: set a monthly limit per category and watch your progress • Net worth: what you own minus what you owe, charted over time • Goals: set savings targets and track how close you are • Subscriptions: Cashowa spots recurring charges so you can cancel what you don't use • Upload a bank CSV — no bank linking required, you stay in control

AI WHEN YOU NEED IT • Chat about your money with answers backed by verifiable math — every number is computed from your real data, never made up • Build a step-by-step financial plan toward your goals • Get help negotiating or cancelling bills and subscriptions • Analyze your business and website

HONEST PRICING The entire tracking suite is free, forever — no card required. Credits only pay for the AI features, so you upgrade when it pays for itself, not before.

Your data stays yours: export everything as JSON anytime, and delete your account in a tap.

Cashowa is an organizational tool and does not provide financial, investment, tax, or legal advice. Terms of Use (EULA): https://cashowa.app/terms Privacy Policy: https://cashowa.app/privacy