Cash Memo

Keep your everyday finances together with Cash Memo. Record income and expenses, plan bills, and see what you owe or need to collect from other people.

EVERYDAY MONEY TRACKING
• Record income and expenses by person and category.
• Check your available balance and transaction history.
• Review spending reports and manage budgets.
• Set up salary schedules to keep your records organised.

BILLS, LOANS AND SHARED COSTS
• Plan bills and record their actual payment amount and date.
• Track money borrowed, money lent and repayments.
• Split an expense equally or enter custom shares. Other people's shares become amounts they owe you.
• Track reimbursement claims and record money received.

OPTIONAL PREMIUM TOOLS
Cash Memo also includes Premium tools for receipt scanning, evidence attachments, assistant chat, PDF exports, manual backup and restore, app lock, themes, Urdu language, and local reminders. These tools require an in-app Premium unlock. Core money tracking does not require sharing, payment or an account.

BUILT TO WORK OFFLINE
Your financial records are stored on your device. No bank connection or Cash Memo account is required. You choose when to export or share information. App update checks use the internet, and the optional enhanced assistant requires an initial model download before it can work locally.

The offline assistant and receipt scanner can make mistakes. Review amounts, dates, names and categories before saving, and check saved entries. Cash Memo is a recordkeeping tool: it does not lend money, transfer payments or provide financial advice.

Manual backups are unencrypted and do not include evidence photos. Keep important backups and images somewhere safe. Reminders require notification permission and depend on your device settings.