CashOwl: Money Budget Tracker

• New: Savings goals — save towards a target or put a yearly bill aside month by month, with an optional automatic monthly transfer. Also on your Apple Watch. • New: Lent & borrowed — keep track of who owes you money and whom you owe, split bills and get reminders • New: Home Screen widgets for your balances, upcoming payments and quick add • New reports: Monthly overview with a needs & wants split, and Money flow showing where your money comes from and where it goes • Compare reports with the previous period or last year, and share them as an image, PDF or table • Calendar: switch to a heatmap of what you spent and received each day • Refunds: money you get back lowers the category's spending instead of counting as income • The Recurring tab is now called Plan, with upcoming payments and savings goals side by side • Smaller fixes and improvements If you love CashOwl, please leave a review on the App Store and recommend it to others :)

Budget, track expenses, save money and pay off debt — privately. CashOwl is the simple offline money manager that shows exactly where your money goes. No ads. No account required. Your data stays on your device. WHY CASHOWL • Quick setup — start tracking in seconds • Clean, focused design — no clutter • Fully offline — your data never leaves your device • Optional secure cloud sync across devices • Built for daily expenses, bills, budgeting and saving KEY FEATURES • Track income, expenses and subscriptions • Manage multiple accounts (cash, bank, card) • Recurring transactions for bills, rent and subscriptions • Smart budgets to control spending • Loans and repayment schedules • Custom categories and notes • Clear reports: cash flow, income and expenses • Dark mode and light mode • Works completely offline — no sign-up needed APPLE WATCH • Your balance at a glance, with a month-end forecast • Coming up: your next bills and income • Budgets: see what's left to spend • Add expenses right from your wrist • Watch face complications: budget left and next payment • Requires CashOwl on your iPhone CASHOWL PRO • Unlimited transactions • Unlimited budgets and accounts • Unlimited recurring transactions • Unlimited loans and repayment plans • App lock with PIN or Face ID / Touch ID BUILT FOR REAL LIFE CashOwl helps you spot spending patterns, cut waste and make smarter financial decisions over time. Whether you're budgeting for the month, tracking subscriptions, or working toward becoming debt-free — CashOwl is your private finance companion. Join thousands of users who trust CashOwl to manage their money, plan budgets and reach their saving goals. Download CashOwl and take control of your finances — free. Terms of Service: https://cashowl.app/ios/terms.html End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/