Privacy-first finance app, 100% offline. On-device AI insights, Zero-Based Budget, Zen Score & badges, smart bank CSV import, Project simulator, Weekly coach, 60+ currencies, 10 languages.




Cowspent is described as 'Shared budget manager able to synchronize with Nextcloud Cospend. It is partially based on MoneyBuster' and is a Budget Manager in the business & commerce category. There are more than 50 alternatives to Cowspent for a variety of platforms, including Android, iPhone, iPad, Android Tablet and Web-based apps. The best Cowspent alternative is Sure, which is both free and Open Source. Other great apps like Cowspent are Spliit, HomeBank, BillSplit and MoneyManager Ex.
Privacy-first finance app, 100% offline. On-device AI insights, Zero-Based Budget, Zen Score & badges, smart bank CSV import, Project simulator, Weekly coach, 60+ currencies, 10 languages.




Organize group living with encrypted, offline-first modules covering expense splitting, shopping lists, chores, trip planning, and a shared digital diary. Use AI scan features, join instantly with links or QR, work ad-free, and manage spaces without accounts.




Take control of your money with FinCare, a powerful expense tracker, budget planner, and money manager app designed to help you track spending, manage budgets, and improve your financial habits.




Free expense tracker with separate books for family, trips, roommates, and fund collections. Split bills fairly and settle debts with one tap — no daily limits.


