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 over 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 filters everything to one account. Balances are entered and updated by you; Cash Book never connects to a bank.
Spending is only half the picture. The other half is where the money sits, and whether the total is going up or down. Cash Book keeps both on one screen.
The places your money lives
Accounts are the wallets, cards and savings you actually use. Make 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 without any extra work.
There is no bank connection and no login to hand over. You enter the starting balance, and Cash Book moves it with every log. If a balance drifts from what the bank says, edit it and carry on. This is the trade Cash Book makes on purpose: a number you control, in an app that never sees your bank.
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 rises. Move money from your card to savings and it does not move at all, which is the moment most people realise what net worth actually means.
The screen is deliberately plain: one number, then cards. It answers the question "how am I doing" without a chart you have to interpret.
Transfers and the account switcher
Money moves between accounts more often than it leaves them. The keypad has a Transfer position on its Expense, Income and Transfer pill. Enter the amount, pick the two accounts, done. The transfer shows in both accounts and is left out of spending totals, so topping up a card from savings never looks like a night out.
When you want to see one account on its own, the Home title is a switcher. Choose your cash account and the big number, the curve and the day list narrow to cash. Choose a card and you are looking at what Apple Pay auto-logging has been putting there. Choose all and the full picture returns.
Where accounts pay off
Cash is the account most trackers lose, because nothing reminds you it left. Giving it its own balance in Cash Book turns the question around: instead of remembering what you spent, you notice when the balance no longer matches your pocket. Read how to track cash spending for a routine that keeps the two in step. The insights then 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.