Trusted by 10,000+ users in 35+ Countries
Organize
Your Finance.
Track daily expenses, manage complex budgets, and monitor loans with beautiful, offline-first analytics designed for everyday life.
Track daily expenses, manage complex budgets, and monitor loans with beautiful, offline-first analytics designed for everyday life.
Swipe to explore every feature of your new financial dashboard.
Switch instantly between Safe to Spend, Total Wealth, and Monthly Cashflow.
Interactive category breakdowns, spending heatmaps, and asset vs. debt health.
Track monthly category budgets with live daily safe-to-spend pace.
Catch expiring free trials and log recurring bills to your ledger in 1 tap.
Swipe right to repeat any expense for today or tap recent merchant chips.
Optional AES-256 encrypted cloud sync with 6-digit email verification.
Don't just take our word for it. See what our community says on Google Play.
"Cash Mate has become my goto finance app for its user friendly design and robust features. The interface is intuitive, making it easy to navigate and manage finances efficiently."
Sulav Shrestha
"Cash Mate has become my go-to finance app for its user-friendly design and robust features. The interface is intuitive, making it easy to navigate and manage finances efficiently. Transaction categorization is seamless, contributing to the overall user experience."
Binesh Burja Magar
"I’ve been using this app for a month now, and it’s by far the best free app to manage money. Simple, reliable, and very helpful."
Suyog
"Have been making my finance management really easy."
Prasansha Adhikari
"Perfect for managing finances."
promise shakya
"Perfect for managing finances absolutely recommended"
Bayern Munich
"Good app just need some small ux improvements which will become a 5 star app."
Pranab Shrestha
"Overall a very good and helpful app to manage our finance but few improvements required. The balance tab showing no account available even though account is available for a split second after returning from setrings tab."
Supreme Shakya
Switch between Safe to Spend, Total Wealth, and Monthly Cashflow in one tap with live daily pace calculation.
Swipe right on any expense to repeat it for today, or tap recent merchant and top-category pills to log in seconds.
Set monthly category budgets and see your exact daily spending allowance so you never run out mid-month.
Track recurring subscriptions, get alerted before free trials renew, and log paid bills straight to your account ledger.
Build lasting habits with a 7-day rolling streak calendar, no-spend day rewards, daily check-ins, and XP levels.
Explore interactive category pie charts, daily spending heatmaps, and a 2×2 Assets vs. Debt health breakdown.
Optional AES-256 client-side encrypted backup with 6-digit email verification and 1-tap restore across devices.
Track borrowed and lent money with due dates and compound interest tools to keep personal relationships clear.
Works 100% offline with zero lag, supports 150+ local currencies, and exports clean CSV reports anytime.
No account, no bank connection, no setup. Download the app and the system starts working the same day.
Grab CashMate free from the Play Store or App Store. It runs smoothly on low-end Android devices and needs no account to start.
Two minutes a day. Add expenses, pick a category, set budgets. Cash, mobile money, UPI, GCash, it all lands in the same place.
Budgets, charts, and monthly reports show you the truth about your spending, so next month is a choice, not a surprise.
CashMate matches the way money actually moves in your country: mobile money, cash, UPI, GCash, and more. No bank account required.
Everything you need to know about managing your money with CashMate.
Yes! The core personal finance, expense tracking, and budgeting features are 100% free for all users worldwide. There are no hidden fees or surprise paywalls.
Absolutely. We built CashMate specifically for regions like Uganda, India, and the Philippines where mobile data can be expensive or unreliable. All your data is stored locally on your device and works perfectly without an internet connection.
Yes. CashMate automatically adapts to your local region. You can track expenses seamlessly in Ugandan Shillings (UGX), Indian Rupees (INR), Philippine Pesos (PHP), Nepalese Rupees (NPR), Ghanaian Cedis (GHS), and many more.
Security is our top priority. Because data is stored locally on your device by default, we do not have access to your financial history. We never sell your data to third parties. If you choose to enable Cloud Backup & Sync, your ledger is encrypted with AES-256 on your device before upload, and you can permanently delete your cloud or local data at any time.
In seconds. Swipe right on any past expense in your feed to repeat it for today in one tap, or tap one of your recent merchant pills on the Add Transaction screen to pre-fill the merchant, amount, category, and account automatically.
Yes. CashMate tracks your monthly and yearly subscriptions, warns you before free trials convert into paid charges, and lets you log due subscription payments straight into your account ledger in one tap.
The built-in loan management feature lets you keep a running tally of money you have lent to friends or family, and money you have borrowed. It separates your personal expenses from debts to keep your budget accurate.
Yes, you can export your entire transaction history to a CSV file at any time. This is perfect for opening in Excel, Google Sheets, or sending to your tax professional.
No. CashMate allows you to manually input your expenses and income. This ensures you maintain total privacy and control over your data without exposing your bank credentials.
Yes. CashMate is heavily optimized to be lightweight and fast. It doesn't drain your battery or require the newest flagship processor to run smoothly.
You probably already track money somehow. Here is why people switch.
A notebook does not total your month for you or warn you when a budget is nearly gone. CashMate does the math, you do the living.
Notebook vs appYour bank app shows you what happened. CashMate shows you what it means: budgets, limits, and savings goals, updated as you log.
Bank app vs budget appThe features that change your financial life sit behind paywalls in other apps. In CashMate they are free: budgets, loans, savings goals, multi-currency.
CashMate vs the restLearn how to make the most of your money.
Aug 24, 2026
A 10 percent weekly fee sounds small until you do the math. Here is what mobile money loans really cost, how the debt cycle works, and how to get out of it.
By CashMate Team
Aug 23, 2026
Money Manager, Monefy, Spendee, and CashMate. Here's an honest comparison of offline expense trackers and which one fits low-end phones and mobile money users.
By Periwin Solutions
Aug 23, 2026
GCash is an e-wallet for paying. CashMate is a tracker for knowing where the money went. They are not competitors, they are a team. Here is how to use both together.
By CashMate Team
Free forever. No ads, no account, no internet required. Your data stays on your phone, always.
10,000+ users across 35+ countries. Free forever, no credit card.
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