Cycling through all six. Tap any point to stop.

Measured on six things

A free, offline Android finance app that tracks cash, inv...

Security

HTTPS enforced, SPF and DMARC present, privacy-first architecture means no cloud data to breach. But no HSTS, no CSP, no frame protection, and no published audits. 6/12 on security headers.

Screenshots

1 / 7

Cashzilla

About this app

Cashzilla is a free, privacy-first personal finance app for Android that brings your entire financial picture into a single net worth number. Unlike budgeting apps that nag you about targets, Cashzilla simply shows you where your money goes - spending by category, monthly spending pace, scheduled bills, and month-by-month net worth trends. You can track cash, stocks, funds, and even collectibles like trading cards, moving money from savings into investments without losing sight of cost basis or gains. There's no sign-up, no bank login, and no cloud sync: everything lives on your device, works fully offline, and never reaches the developer. Built by an independent developer for people who aren't spreadsheet people, Cashzilla includes multi-currency support, CSV import/export, and dark mode. It's completely free - no ads, no subscription, no upsell. iOS is listed as coming soon, pending demand.

Key features

1Privacy-first architecture: no account, no bank login, no cloud sync — all data stays on device and works fully offline.
2Net worth tracking across cash, stocks, funds, and collectibles with cost basis and gains visibility.
3Spending by category, monthly pace tracking, scheduled bills, and month-by-month net worth trends.

Target customer profile

Drawn from the product itself, not from a survey.

Demographic

Privacy-conscious Android users (25–45) who avoid linking bank accounts to apps

Pain points

Distrust of cloud finance apps; fear of data breaches and data selling

Primary needs

Offline tracking with no account, no bank login, and full local data ownership

Demographic

Young professionals and investors who hold cash, stocks, funds, and collectibles

Pain points

Financial picture scattered across bank apps, brokers, and spreadsheets

Primary needs

One net worth number with month-by-month tracking and investment cost basis

Demographic

Budget-averse adults who dislike rigid budgeting tools and guilt-driven apps

Pain points

Traditional budgeting apps feel like a second job and set users up to fail

Primary needs

Non-judgmental spending visibility, pace tracking, and gentle nudges

Scout Review

Written by AI from measured evidence, scored out of 100.

Cashzilla is a free, privacy-first Android finance app that puts your entire net worth in one number without asking for a bank login or a cloud account. The pitch is clean: no sign-up, no sync, no data leaving your phone. The app UI is polished, the site is blazing fast, and the privacy architecture is genuinely differentiated. But the support surface is thin — no docs, no help center, just a five-question FAQ — and the security headers are incomplete for a product whose entire value proposition is privacy. Growth potential is real but the wedge is a feature, not a fortress. It's a solid indie tool for privacy-conscious Android users who want clarity without the guilt trip.

Measure by measure

Usability

Zero onboarding friction — no sign-up, no bank login, works offline. FAQ handles the real objections. But there's no help center, no docs page, no tutorial. You're on your own once you install it.

Design

Judging the Android app UI via store screenshots and homepage mockups: clean net-worth screens, consistent green accent, playful monster motif. Real screenshots beat stock imagery. FAQ borders and uneven card heights are minor flaws.

Speed

Lighthouse mobile 99/100, desktop 100/100. LCP 1.7s, CLS 0, TBT 0ms. The site is genuinely fast — static, lightweight, no bloat. No user complaints about lag found.

Security

HTTPS enforced, SPF and DMARC present, privacy-first architecture means no cloud data to breach. But no HSTS, no CSP, no frame protection, and no published audits. 6/12 on security headers.

Accessibility

Lighthouse accessibility 100/100. Dark mode, multi-currency, responsive layout. No a11y statement or WCAG mention, and no multi-language support. Automated checks pass; manual verification unknown.

Growth

Real problem — privacy-conscious Android users tired of bank-linking apps. Specific wedge: no account, no cloud, no bank login. But the category is crowded and the differentiator is a feature, not a moat.

Improvement areas

No help center or documentation — FAQ is the only support surface for a finance app with CSV import and multi-currency.
Incomplete security headers (no HSTS, CSP, frame protection) despite privacy-first positioning.
No accessibility statement or multi-language support despite 100/100 Lighthouse score.

Design & Usability

Cashzilla's design is judged on the Android app UI, not the landing page — and the app screenshots show a clean, readable net-worth view with consistent green branding and a monster mascot that keeps things from feeling like a bank statement. The homepage integrates real app screenshots instead of stock imagery, which builds trust. Usability is where it gets thin: the zero-friction onboarding (no sign-up, no bank login, works offline) is genuinely excellent, but there's no help center, no docs, no tutorial. The FAQ answers five questions and that's your entire support surface. For a finance app where users need to understand CSV import, multi-currency, and cost basis tracking, that's a gap. The product is easy to start but hard to master without external help.

Speed & Security

Speed is Cashzilla's strongest measured dimension: Lighthouse mobile 99/100, desktop 100/100, LCP 1.7s, CLS 0, TBT 0ms. The site is static, lightweight, and genuinely snappy. Security is more complicated. The privacy-first architecture is real — no account, no bank login, no cloud sync means there's no centralized database to breach. But the website itself scores 6/12 on security headers: HTTPS is enforced, SPF and DMARC are present, but HSTS, CSP, frame protection, and Permissions-Policy are all missing. No SOC 2, no ISO, no pen-test, no bug bounty. For a privacy-first product, the security posture is adequate but not exceptional.

Accessibility & Growth

Accessibility scores 100/100 on Lighthouse automated checks, which is a strong signal but not the whole story. There's no WCAG statement, no accessibility page, and no multi-language support mentioned. Dark mode and responsive layout are present. The automated audit passes; manual verification is unknown. Growth potential is moderate. The problem is real — privacy-conscious Android users who distrust bank-linking apps — and the wedge is specific: no account, no cloud, no bank login. But the alternatives (Bluecoins, Money Manager, Wallet by BudgetBakers) already offer offline tracking, and 'we don't want your data' is a feature, not a moat. The category has room, but Cashzilla needs to prove why it wins beyond privacy.

Conclusion

Cashzilla does one thing well: it shows you your money without asking for your soul in return. No account, no bank login, no cloud sync — just a local app that works offline and never phones home. For privacy-conscious Android users tired of budgeting apps that nag and bank-linking apps that leak, that's a genuinely appealing pitch. The execution is competent: fast site, clean app UI, real screenshots. But the gaps are real too — no documentation, incomplete security headers, and a differentiator that competitors can copy. If you're on Android and you want a no-nonsense net worth tracker that respects your data, Cashzilla is worth a download. Just don't expect a help center when you get stuck.

Suggestions for improvement

Add a help center or documentation page covering CSV import, multi-currency setup, and cost basis tracking — the FAQ isn't enough for a finance app.
Implement HSTS, CSP, and frame protection headers to match the privacy-first positioning with actual security hardening.
Publish an accessibility statement and consider multi-language support to match the 100/100 Lighthouse score with real-world coverage.
Clarify the iOS roadmap with a timeline or demand threshold instead of 'coming soon, pending demand' — it reads as indefinite.

How we score

Alternatives comparison

Named competitors, point by point. Nobody paid to appear here or to be left out.

	Cashzilla	Bluecoins	Money Manager Expense & Budget	Wallet by BudgetBakers
Privacy model	No account, no bank login, no cloud sync; data never leaves device	Offline support but optional cloud sync and bank connection features	Offline expense tracking; no bank sync required	Cloud-based with optional bank sync; account required for full features
Net worth tracking	Single net worth number with month-by-month trends across cash, stocks, funds, collectibles	Account balances and reports; net worth tracking available	Expense tracking focus; net worth not primary feature	Net worth tracking with bank sync for automatic balance updates
Pricing	Free — no ads, no subscription, no upsell	Free with premium upgrade for advanced features	Free with ads; premium version available	Freemium with subscription for bank sync and advanced features
Platform	Android only; iOS listed as coming soon pending demand	Android only	Android only	Cross-platform: iOS, Android, web
Bank sync	No bank connection; manual transaction entry only	Optional bank sync available	No bank sync; manual entry	Bank sync is core feature with automatic transaction import