Net Worth Tracker for iPhone, Cash, Cards and Savings | Cash Book
Quick answer
Accounts in Cash Book are the places your money sits: cash, a card, a savings account, each with its own balance. The Accounts screen shows one net-worth number above the account cards, and it moves every time you log. Every transaction belongs to an account, transfers move money between two of them without counting as spending, and the account switcher in the Home title narrows everything to one account. You set the balances yourself. Cash Book never connects to a bank, so nothing arrives on its own.
Spending is only half the picture. The other half is where the money sits, and whether the total is going up or down. Both live on one screen here.
The places your money lives
Accounts are the wallets, cards and savings you actually use. One for cash, one for each card, one for the savings account you are trying not to touch. Each carries a balance you set when you create it, and every transaction you log belongs to one of them, so the balances stay current on their own.
No bank connection. No login to hand over. You enter the starting balance and Cash Book moves it with every log you make.
Which means the balances can drift. A tenner you spent and never logged will sit in the app long after it left your pocket, and the number will stay quietly wrong until the day you count what is actually in your wallet and find the gap. That is the trade we made on purpose. A figure you control, in an app that never sees your bank. When it drifts, edit it and carry on.
One number on top
Open Accounts from the "…" menu at the top of Home. Above the account cards sits a single net-worth number, the sum of everything. Log an expense and it drops. Log a salary and it climbs. Move money from your card to savings and it does not move at all, which is the moment most people work out what net worth has actually meant all along.
The screen is deliberately plain. One number, then cards. It answers "how am I doing" without a chart you have to interpret first.
Transfers and the account switcher
Money moves between your own accounts more often than it leaves them. The keypad has a Transfer position on its Expense, Income and Transfer pill. Amount, two accounts, done. The transfer shows in both and stays out of spending totals, so topping up a card from savings never looks like a night out.
When you want one account on its own, the Home title is a switcher. Choose cash and the big number, the curve and the day list all narrow to cash. Choose a card and you are looking at whatever Apple Pay auto-logging has been putting there. Choose all and the full picture comes back.
Where accounts pay off
Cash is the account every tracker loses, because nothing reminds you it left. Giving it a balance turns the question inside out. Instead of remembering what you spent, you notice when the app says forty and your pocket says fifteen, and then you go and find the missing twenty-five. Read how to track cash spending for a routine that keeps the two in step. The insights will tell you where it went.
Frequently asked questions
How is net worth calculated?
It is the sum of your account balances. Each expense lowers its account, each income raises it, and a transfer moves an amount from one to another without changing the total. There is no bank connection; the balances are yours to set and Cash Book keeps them current from your log.
Can I see spending for one account only?
Yes. The Home title is an account switcher. Pick one and the big number, the curve and the day list all narrow to that account. Pick all to go back.
How do I move money between accounts?
Open the keypad, switch the pill to Transfer, enter the amount and choose the two accounts. It appears in both, and it is left out of your spending totals.
Does it handle more than one currency?
Cash Book has 128 currencies to choose from in Settings. The currency you pick applies across the app.
Get Cash Book on the App StoreFree for 7 days. $19.99 once for lifetime.