Cash Book

Cash Book is an iPhone expense-tracking app designed to make personal finance management faster and more natural by removing the need for traditional forms, spreadsheets, and manual transaction entry. Instead of requiring users to enter every purchase field by field, Cash Book lets them describe what they spent using their voice, scan receipts with the iPhone camera, or automatically log Apple Pay transactions through an Apple Shortcuts automation. The app is designed around quick, low-friction expense logging while still providing budgets, accounts, spending statistics, and financial insights.

The app's voice logging feature allows users to simply say what they purchased in their own words. A single purchase or an entire day's spending can be described verbally, and Cash Book uses an AI model to turn the recording into structured transactions containing details such as the amount, merchant, tag, and date. Users can review and edit the resulting entries before they are finalized. Voice logging supports major languages, making the feature useful for users who prefer speaking rather than typing their expenses.

Cash Book also provides receipt scanning. Users can point the iPhone camera at a receipt or select an existing photo or screenshot, and the app extracts individual purchase lines and converts them into transactions. This means receipts can become searchable financial records instead of remaining as images that are rarely reviewed. For users who prefer manual entry, the app includes a quick keypad designed to record an expense in just a few taps.

Another notable feature is Apple Pay auto-logging. Cash Book does not connect directly to banks or cards. Instead, users can create a one-time automation in Apple's Shortcuts app using the Transaction trigger. Once configured, Apple Pay purchases can automatically open Cash Book and pass the transaction amount and merchant information to the app. This provides automated tracking without requiring Cash Book to establish a connection with a financial institution.

Beyond transaction capture, Cash Book includes budgeting and financial organization tools. Users can create monthly or weekly spending allowances and assign individual budgets to tags or categories. The Home screen displays how much remains, while progress indicators show spending against individual category limits. The app also includes accounts for tracking cash, cards, and savings, with a net-worth figure displayed at the top.

Cash Book's insights are designed to provide a concise overview rather than an overwhelming financial dashboard. Users can see how much they spent during a month, compare spending with previous periods, identify changes by tag, and review how income and expenses have accumulated over six months. Tags and categories help organize transactions, while search and export functionality make the underlying financial data easier to manage.

Privacy is a major part of Cash Book's positioning. The app does not require users to create an account, and the company states that transaction history remains on the user's iPhone, with optional encrypted iCloud synchronization to their own Apple account. Cash Book does not maintain a server containing users' transaction histories and does not connect directly to banks. Voice recordings and receipt images are sent to an AI model for processing and are not retained. Users can also protect the app with Face ID or Touch ID and export their data as CSV or Excel files.