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Features

Everything it does, on the real app.

Every phone on this page is a screenshot of Cashvy — iPhone 17 simulator, iOS 26.5, 11 September 2026 — with a made-up trip in it.

Splitting

Split it the way the table did.

One sheet: the amount, what it was for, who paid, and how it divides.

  • Equally, by shares, by percentage, or in exact amounts
  • Line by line off a scanned receipt, with tax and tip following what each person ordered
  • Money is whole cents, never fractions, so every split adds back up to the total exactly
  • When a cent won’t divide, Cashvy shows who took it
The Add expense sheet: an amount, what it was for, a category, who paid, the split method — Equal, Shares, Percent or Exact — and a number pad.

Friends in a browser

Nobody has to install anything to join in.

Share a code and a friend opens the trip on join.cashvy.app — on a phone or a laptop, with no account. They read the ledger and add what they paid.

  • A code works once, for one person’s browser
  • Six words on both screens prove nothing sits in between
  • What a browser adds arrives as a yellow unfiled slip
The Lisbon trip ledger, showing your position and a list of expenses, two of them on yellow slips marked unfiled, from the browser, with Decline and Approve buttons.

Approving

Nothing counts until someone approves it.

Everything added from a browser waits — on the trip’s ledger and in one Activity list across every trip — until someone with the app approves or declines it.

  • The phone refuses an approval from a browser, whatever the browser sends
  • A declined expense counts toward nobody’s balance
The Activity tab, “2 waiting on you”: two yellow unfiled slips added from the browser — a tuk-tuk tour and wine for the flat — each with Decline and Approve.

Settling up

The fewest payments that clear everyone.

Cashvy works out who pays whom, and you record each payment as it happens. It never moves money — you pay however you already pay each other.

  • Record a payment, and confirm or dispute one
  • Keep a friend’s payment handle, so you know where to send it
  • Attach a screenshot as proof that a payment was made
The Settle up screen: three payments clear everyone, each with a Record button, and a note that Cashvy never moves money.

People

Where you stand with everyone.

One list of the people you split with, across every trip — and for each of them, what you owe each other and why.

  • Your position with each person, trip by trip
  • Loans between two people, outside any trip
  • Where to pay them, saved on your phone
The People screen, across every trip: you owe Maya €116.38 and Sam €31.00, and Ana owes you €9.18.
Ana’s page: she owes you €9.18, €6.63 of it awaiting approval, broken down by trip, with no direct loans and her Revolut handle under “Where to pay them”.

Receipts

The receipt is read on the phone.

Photograph the bill, or choose a photo, and Cashvy reads the lines off it. The reading happens on the phone; the picture is never uploaded.

  • Split line by line, with each person claiming what they had
  • Tax, tip and service follow what each person ordered
Scan a receipt: “Photograph the bill and Cashvy will read the lines off it. Nothing leaves the phone — the reading happens here.” with Take a photo and Choose one buttons.

Off the grid

Pass a trip phone to phone, with no internet.

Hand a whole trip to another phone as one file — over AirDrop, or by radio across the table. It is signed by the phone that made it, and nothing is added until the other person has looked and said yes.

  • While looking for phones nearby it shows two random words, and nothing about you or the trip
  • It stops looking the moment you leave the screen
The Nearby screen: “Nobody nearby can see this phone.” Cashvy explains it can show a pair of words to phones on the same table — no name, nothing about you or the trip — and a button, Show me to people nearby.

Private by construction

There is nothing to collect, so nothing is collected.

No account, no analytics, no crash reporter, no advertising identifier. Not settings that are switched off — code that was never written.

  • The ledger is encrypted with a key that never leaves the phone
  • It is kept out of iCloud and computer backups on purpose
  • Your own backup is one file, opened by eight words shown to you once
  • Require Face ID or Touch ID to open the app, if you want it
The app’s own Privacy screen: “Cashvy does not collect anything, because there is nowhere for it to go.”

And

The rest of it.

  • Any currency

    Each trip has its own currency, and an expense in another one keeps the rate you type in, frozen onto it. Cashvy doesn’t look rates up — looking something up is a request.

  • Works in airplane mode

    Adding, splitting, settling, reading a receipt and passing a trip to a phone nearby all work with no signal.

  • Export your ledger

    A readable copy or a spreadsheet, from the menu, whenever you want one. It is your data.

  • Reminders

    Scheduled on the phone itself, not pushed from a server that would need to know about you.

  • Light and dark

    Both designed rather than inverted, and large text reflows into columns rather than being cut off.

  • Open source

    MIT licensed, and meant to be read: everything on this page is written to be checked against the code.