Cashtra vs Zero

Take control of your personal finances with Cashtra. Cashtra is a privacy-first expense and budget tracker for cash, cards, bank accounts, e-wallets, bills, debts, and savings goals — with no sign-up, no bank logins, and no subscriptions. Your ledger lives on your iPhone. Log spending in seconds, plan your bills and budgets, and see your whole net worth in one place. FEATURES • Cash Chat: Type what you spent in your own words and Cashtra logs it. You can even set up your accounts by chatting. • Siri & Shortcuts: Log an expense, income, or transfer, or move money between accounts, without opening the app. Great on the Action Button or Back Tap. • Smart Safe-to-Spend: A daily allowance that adjusts to keep you on budget without stress. • Financial Center: Budgets, recurring bills, goals, and debts in one timeline, with reminders before things are due. • Net Worth: Track assets and liabilities. Add Money, Withdraw, or Record a Payment right from your accounts. • Split Expenses: Split a bill with friends and track who owes what, or split one receipt across several categories. • Savings Goals: Set target dates, watch milestone progress, and set money aside with Add to Goal. • Credit Cards & Debt Payoff: Monitor balances, limits, utilization, installments, and loan payoff progress. • Interactive Widgets: Check balances and log expenses from your Home Screen and Lock Screen. • Coach Cashtra: Smarter guidance based on your own activity. • Multi-Currency: Live exchange rates, or use your bank's own rate when it charged a different amount. • Face ID & App Lock: Keep your budget private. • CSV Import & Export: Bring in past transactions and export clean backups anytime. • Translated into 70+ languages. PRIVATE BY DESIGN • No account sign-up required • No bank logins or account syncing • Your data stays on your device. Optional iCloud Sync uses your own private iCloud database and is off by default • No ads, no tracking, and zero telemetry Cashtra is a personal budgeting and financial tracking tool. It does not provide financial, investment, or tax advice.

A finance tracker that understands everyday language. Type what you spent, earned or paid, and see your money come together—from daily expenses to your full net worth. LOG IT LIKE YOU’D SAY IT Type “coffee 180 gcash” or “grab 250 yesterday”. Zero picks out the amount, category, account and date, then lets you review the entry before saving. Scan a receipt or choose a photo to fill in the details. For quicker access, start an entry from a widget, Control Center or Shortcuts. ASK YOUR MONEY “How much did I spend on food last month?” Get a clear answer from your own records, with the entries behind it. No digging through transactions or adding things up yourself. ALL YOUR ACCOUNTS, TOGETHER Track cash, banks, e-wallets, credit cards, loans, investments and assets in any currency. Recognizable bank logos and card designs make accounts easy to find, while your net worth brings the bigger picture into view. KNOW WHAT’S AHEAD • Monthly and weekly budgets with carryover and a daily spending allowance • Bills, paydays and recurring entries, with reminders before they’re due • Savings goals with estimated completion dates • Installment plans, repayments and money owed in either direction • A balance forecast to help you plan beyond today SEE WHERE IT WENT Understand your spending with category breakdowns, income, savings and comparisons over time. Share a report as a PDF or export your entries to CSV. MAKE IT YOURS Choose a color theme, pick an app icon and arrange your Home screen around what matters to you. Enjoy Zero in light or dark mode. PRIVATE BY DESIGN • No sign-up, ads or tracking • Works offline, with your records stored on your device • Optional sync through your own iCloud • Face ID or Touch ID protection • Hide your amounts with a tap BUY ONCE. KEEP IT ALL.