Know exactly where your money goes.
An expense tracker, budget planner, savings-goal tracker and debt book in one. Cowrie holds the whole picture — what you spend, what you owe and what you are saving for — and is honest with you about all three.
No ads. No analytics. Your financial data is never sold.
The best money you spend is the money you don't.
Want something? Park it on the wishlist first. It waits out a cooling-off period before you are allowed to decide — and most wants quietly fade in that time.
What makes it stick is that the money you did not spend is recorded as a real, accumulating figure instead of an invisible non-event. You can move it into savings for real, too — because a saving left mixed in with everything else is one that gets spent on something else.
Temptations resisted
71%
An illustration, not a promise — but the kind of figure that only exists once something bothers to count it.
Everything in one place, and nothing to wire up.
There is no bank to connect and no import to configure. You record what you spend — and the recording is the point, because it is what makes you notice.
Every transaction, in full
Amount, category, account and date — plus who you paid, tags that cut across categories, and a photo of the receipt. Search finds any of them months later.
Budgets that carry over
Weekly, monthly or yearly caps, per category or across everything. Turn on rollover and what you did not spend rolls into next month — and an overspend follows you too.
Goals that tell you the truth
Say what it costs and when you want it by, and Cowrie works out what that needs each month — then tells you whether what you are putting aside actually gets you there.
Money lent and borrowed
Debts stay out of your spending, because lending money is not spending it. Track what is owed either way, record repayments, and see it all in your net worth.
Reports worth reading
Where the money went, how this month compares with the last, and — the question most trackers never answer — whether your net worth is actually growing.
Bills that post themselves
Rent, salary, subscriptions. Set the schedule once and Cowrie records each one when it falls due, so the ledger stays right without you remembering.
Your ledger is nobody else's business.
A record of what somebody spends is one of the most revealing things about them. Cowrie treats it that way.
Nothing is watching
No analytics, no tracking pixels, no third-party measurement, no advertising. Your data is never sold, rented or traded — to anyone.
Locked to you
Fingerprint or face unlock on the phone, and a switch that hides every amount on screen when you would rather it were not read over your shoulder.
Yours to take
Export the whole ledger whenever you like, and delete your account — with everything in it, receipts included — whenever you decide to.
The full detail is in the privacy policy, which is written to be read rather than to be scrolled past.
Start with the next thing you buy.
One transaction is enough to begin. The picture builds itself from there.
Create your account