Private Expense Tracker with iCloud Sync, No Account | Cash Book

An expense tracker knows more about you than almost anything else on your phone. Where you eat. Who you pay. What you did on a Friday night when nobody was asking. Cash Book is built so that all of it stays on the phone.

No account, by design

There is no sign-up. Install it, set up a few tags in onboarding, start logging. No email, no password, no verification code, no profile to fill in. Purchases go through Apple, so the trial and the plan never ask for a Cash Book login either.

That is not a feature we forgot. With no account there is no Cash Book server holding your transaction history, so there is nothing to leak and nothing to sell. Your log lives on your iPhone, and the only other copy is the one you choose to make in your own iCloud.

iCloud sync, on your terms

Settings has a single iCloud Sync toggle. Turn it on and your data is encrypted and stored privately in your own iCloud account, where only you can access it. New iPhone, same Apple account, install, and the whole log is waiting. Turn the toggle off and the data stays on the device alone.

That is the entire cloud story. No web version to sign into, no way to share a log with someone else's phone, because either one would mean a copy of your money sitting somewhere that is not yours. There is no Android app to sync to either. Cash Book is an iPhone app, and iCloud is where it keeps its only backup.

What leaves the phone, and what does not

Two features need a connection. Voice logging sends the audio clip and receipt scanning sends the photo, both through the studio's relay to an AI model that turns them into transactions. Nothing is stored once the response comes back. The transactions themselves are written on your iPhone.

Cash Book never connects to a bank. Even Apple Pay auto-logging runs on the phone through Apple's Shortcuts, with no bank login in sight. Usage analytics count feature use in aggregate, such as which screens get opened, and never include transaction contents, audio or photos. No ads. No data selling. No asking for your contacts or your location.

Locked, exportable, erasable

Settings has a Security section. Face ID or Touch ID locks the app, so passing your phone across a table to show someone a photo does not also mean handing over the ledger. Data Export writes the lot to CSV or Excel, for a spreadsheet, an accountant, or a backup you keep yourself. Data Management erases all of it in one place. No support ticket, no waiting.

Privacy is much easier to keep when nothing needs uploading in the first place. Everything else here, from no account to on-device insights, follows from that one decision. For the rest of the setup, read how to track expenses on iPhone, and the privacy policy says exactly what is and isn't collected.

Get Cash Book on the App StoreFree for 7 days. $19.99 once for lifetime.