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Free personal finance app
The free financial co-pilot that does the math, not just the talking.
Track spending, budgets, net worth, and goals with clear charts. Cashowa spots subscriptions to cancel and brings in AI when you want a plan, an answer, or a better deal. Free forever — add AI only when it pays for itself.
No credit card required · Free forever · iPhone & web
On iPhone now · See the app
Everything you need to track your money — free
The full tracking suite is free forever. No card, no trial, no catch — these never cost a thing.
Money dashboard
Net worth, this month's spending, and income vs. expense — your whole financial life on one screen.
Spending reports
See exactly where your money goes by category, merchant, and trend — month, quarter, or year.
Budgets
Set a monthly limit per category and track your progress with simple, colorful bars.
Net worth tracker
What you own minus what you owe, charted over time. No bank linking — you stay in control.
Savings goals
Set targets, track how close you are, and watch your progress grow.
Subscription finder
Cashowa spots recurring charges hiding in your transactions so you can cancel what you don't use.
Numbers you can actually trust
Most AI tools make up numbers. Cashowa doesn't. Every figure — in your charts and in the AI's answers — is computed from your own data with verifiable math, so you can act on it with confidence.
Add AI when you need it
Credits only pay for the AI. Your tracking, charts, budgets, and net worth are always free.
AI money chat
Ask anything about your finances. Every number is computed from your real data — never made up.
Financial planner
Get a step-by-step plan toward your goals, with the math shown.
Bill negotiator
AI researches alternatives and drafts the emails to cut or cancel your bills.
Business analyst
A fast, plain-language audit that finds leaks and quick wins — or Analyst Pro for document-driven BRDs, forecasts, and a costed business case.
Learn more →
Free includes credits to try the AI. See pricing →
A business analyst, two ways
Cashowa doesn't just track personal money — point it at your business or side hustle. Find leaks and quick wins fast, or run a full, document-driven Analyst Pro engagement.
Quick analysis
Plain-language for side hustles and small businesses: profit leaks with the dollar impact, quick wins for this week, growth ideas, and a website audit.
Analyst Pro
A full, document-driven engagement: upload your numbers and get requirements, process maps, forecasts, a costed business case, and ready-to-paste website fixes.
Stop paying for things you forgot about
Find & cancel subscriptions
Cashowa surfaces the recurring charges hiding in your statements, and our 68+ step-by-step cancellation guides show you exactly how to quit each one — no signup needed to browse them.
Browse cancellation guidesGet started in minutes
Free, and no bank login required.
- 1
Create your free account
Sign up in seconds — no credit card, no trial timer.
- 2
Add your money
Upload a bank CSV or enter balances and goals yourself. You decide what to share.
- 3
See everything — and ask anything
Get instant charts of your spending, budgets, and net worth, and bring in AI whenever you want a plan or an answer.
What people are saying
Early users using Cashowa for real money decisions.
I asked it to find leaks in my agency and it pointed at three things I'd been ignoring for months. The audit took five minutes — and I could click every number to see how it got there.
Marcus T.
Agency owner
Finally a money app that shows me where the numbers come from. I click any figure in the chat and the math expands. Nothing feels hand-wavy.
Ada O.
Software engineer
I used to avoid looking at my bank statements. Now I upload a CSV once a month and Cashowa just tells me what changed and where I'm leaking.
Priya R.
Project manager
It built me a 5-year plan to buy my first place. The action steps were specific — not 'save more', actual amounts and dates tied to my real income.
Daniel L.
Product designer
The website audit on top of the business analyst is the unfair advantage. It flagged four conversion issues my agency had missed.
Sandra K.
Founder, e-commerce
I asked about my freelance taxes for last quarter. It pulled the right numbers from my uploaded CSVs and gave me an honest answer — with the calculation right there.
Jaime V.
Freelance writer
Start tracking your money — free
The full dashboard, budgets, reports, and net worth at no cost. Add AI when it pays for itself.