Cashtra - Budget Tracker

Take control of your personal finances with Cashtra.

Cashtra is a privacy-first expense and budget tracker built for cash, cards, bank accounts, bills, debt payoff, and savings goals — with no account required, no bank connections, and no subscriptions.

Your financial data never leaves your iPhone. Track daily spending, recurring subscriptions, credit card utilization, and personal loans all in one place with instant calculations and smart financial pacing.

FEATURES

• Smart Safe-to-Spend: Daily spending allowance dynamically adjusts to keep you on budget without stress.
• Priority Dues & Bill Tracking: Urgent bills, recurring subscriptions, and upcoming dues stay front and center until marked paid.
• Bill Split & Receipt Cards: Split group expenses with friends, track who owes what, and generate classic shareable receipt cards.
• Interactive Widgets: Check balances, view weekly calendar breakdowns, and log expenses directly from your Home Screen and Lock Screen.
• Receipt-Style Quick Log: Record transactions in seconds with an integrated keypad calculator, multi-currency switcher, and custom categories.
• Credit Cards & Debt Payoff: Monitor balances, credit limits, utilization percentages, and loan payoff progress.
• Savings Goals: Set target dates and visualize milestone progress for your emergency fund or big purchases.
• Biometric Security: Lock your app with Face ID or Touch ID to keep your budget private.
• CSV Import & Export: Easily import past transactions and export clean, formatted CSV backups anytime.
• Multi-Currency & Offline Support: Manage accounts in multiple currencies with cached rates and full offline reliability.
• Available in 15 Languages: Fully localized experience tailored to your preferred language.

PRIVATE BY DESIGN

• No account sign-up required
• No bank logins or account syncing
• All data is stored locally on your device with SwiftData
• No ads, no tracking, and zero telemetry

Cashtra is a personal budgeting and financial tracking tool. It does not provide financial, investment, or tax advice.

This update makes Accounts clearer, credit cards more like your bank, and syncing optional — so your ledger stays private unless you choose otherwise.

What's New:

• A cleaner Accounts, Analytics, Plan, and Profile — each opens with one big number and the key figures underneath. Accounts now leads with your net worth.

• See what you own and owe — tap Assets or Liabilities on Accounts to see the breakdown or add a house, car, or other debt.

• Official bank and e-wallet logos — cards show logos for BDO, BPI, GCash, Maya, Wise, and more, in their brand colours with the last 4 digits.

• Several installments on one card — track more than one financed purchase per credit card. Each plan keeps its own schedule, due date, and progress.

• New plans use available credit — when you start an installment, the purchase hits the card right away. Monthly payments pay it down like your bank does.

• Add an installment from the card or Debt — open a credit card or Debt and tap Add Installment. No long-press menus required.

• Clearer dues when plans overlap — upcoming amounts add up across active installments, and revolving charges still show when they should.

• Optional iCloud Sync — turn it on in Settings (or from the new prompt after What’s New) to keep accounts, cards, loans, and transactions in step across your devices. Off by default. Cash Chat and receipt photos stay on this iPhone.

Thanks for using Cashtra — keep the feedback coming!