Germany combines strong privacy expectations with unusually high cash usage — two things automated budgeting apps handle badly. Cash Compass is built for euro, German-language, and spending that never touches a statement.
Apple-native · No bank logins · iCloud sync
Cash remains far more common in Germany than in most comparable economies, and a bakery or Imbiss paid in coins simply does not appear in any bank feed. Apps built on account aggregation are structurally blind to it, which means their totals understate reality. Cash Compass records cash exactly like a card payment, so the monthly figure in Germany reflects what you actually spent.
German users tend to be more sceptical than most about sharing banking credentials with third parties, and reasonably so. Cash Compass never requests them: there is no aggregator, no PSD2 authorisation and no stored access to your Konto. Transactions stay on your device, and premium sync uses your own iCloud account rather than servers we run.
Set EUR at onboarding and every total, chart and CSV export uses it. German is one of 33 translated languages and is chosen independently of currency, so you get a German interface with euro amounts rather than a partially translated US app. Categories are ones you create, not an imported American list.
Voice, photo of a receipt, or 3-tap manual entry — every method takes under 5 seconds.
Cash Compass picks the category automatically. Override once and it learns your pattern.
Weekly chart shows where money went. Adjust caps before the month is over, not after.
No. There's no PSD2 or aggregator connection, so Sparkasse, DKB, N26 and every other institution are supported equally — because you're recording spending rather than importing it. Nothing needs periodic reauthorisation.
That's one of its strongest cases in Germany. Cash purchases are logged in seconds by voice or a few taps and sit alongside card spending in the same categories and charts — something statement-import apps cannot do at all.
Yes, German is among the 33 translated languages, set separately from currency, so a German interface with euro amounts is standard.
On your device by default. With premium, sync runs through your personal iCloud account, not our infrastructure. Because no bank credentials exist in the system, there is nothing of that kind to leak.
Built native for iPhone, iPad, and Mac with iCloud sync. Works offline.
No bank logins, no Plaid, no data sales. All data lives in your iCloud.
Manual entry, charts, category tracking — all free, forever. Premium is optional.
German interface, no PSD2 authorisation, free manual logging. On the App Store.
Download Cash Compass on the App Store