Crush your debt.
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Yes — completely free. No premium tier, no subscriptions, no hidden fees, no ads. Every feature in the app is available to every user at no cost. We believe financial tools should be accessible to everyone, especially young adults just starting out.

No — and we never will. Cash Balancer is privacy-first by design. You enter your financial data manually or snap photos of your documents. We never ask for your bank login, never link to your accounts, and never access your transaction history. Your bank credentials stay with you.

Cash AI is your personal finance coach built into the app. You can ask questions about your spending, debts, or budget — by voice or text. Cash AI analyzes your actual financial data to give personalized answers. It can also explain financial documents you photograph, model "what if" scenarios, and send you proactive nudges about your money.

Investment Emotions AI helps you invest smarter by detecting emotional biases in your decision-making. Record a voice check-in about your portfolio, and our AI analyzes your tone, pace, and words to identify emotions like fear, overconfidence, or anxiety. You get personalized coaching based on behavioral finance science, plus a Resilience Score that tracks your emotional discipline over time.

Cash Balancer is designed for young adults ages 18-29 who are just starting their financial journey. Whether you just got your first paycheck, are managing student loans, or want to build better money habits — this app is built for you. No financial expertise required.

Absolutely. Your data is encrypted in transit and at rest. We use Firebase (Google Cloud) for secure storage, Face ID for device-level protection, and industry-standard security practices. We never sell, share, or rent your data to anyone. You can delete your account and all data at any time.

Yes — tap Continue as Guest to use the Dashboard, Debts, and Budget without signing up. Your plan stays on your phone, and everything you've entered moves into your account the moment you sign up. Cash AI and cloud backup need a free account, which takes about 30 seconds.

Yes — the free online Debt Calculator works in your browser with no account, no download, and no bank login. Upload up to 5 statements — credit cards, loans, checking, savings — and in about a minute you'll see how much interest you're paying, where your minimum payment goes, your debt-free date, and a Cash Flow Report comparing your spending to the national average. Your documents are never stored. Download the app when you want to track your debt month by month.

The Cash Flow Report shows your monthly income, spending, debt payments, and what's left over, built from the checking, savings, and debt statements you upload. Each spending area — housing, groceries, dining out, transportation, bills, and more — is shown as a share of your take-home pay next to the U.S. national average, so you can see where you're above or below typical. Press play and Cash AI walks you through the highlights in about a minute. It's free on the website and in the app.

Three things: First, we never connect to your bank — your privacy comes first. Second, Cash AI is a genuinely intelligent coach that knows your finances and gives personalized advice by voice. Third, we're built specifically for young adults, not everyone — so the experience is simple, focused, and relevant to your life stage.