--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Cashbook & Money Tracker" developer_entity: "Arpit Kakadiya" bundle_id: "com.centillion.MoneyManager" app_store_id: "6742810804" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2025-10-22" report_date: "2026-08-15" last_verified: "2026-08-15T00:00:00.000Z" report_version: "1.0.4" total_reviews: 1 overall_rating: 5 confidence: "low" confidence_score: 0.05 data_age_days: 46 momentum_velocity: "zombie" intelligence_version: 3 tags: ["finance", "free", "mobile app", "app review", "app analysis", "students,", "freelancers,", "business"] canonical_url: "https://marlvel.ai/apps/cashbook-money-tracker" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Cashbook & Money Tracker Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 > **TL;DR:** Cashbook & Money Tracker is a finance app by Arpit Kakadiya, rated 5/5 by 1 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Cashbook & Money Tracker is a finance app by Arpit Kakadiya. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (1 review) | | **Category** | Finance | | **Developer** | Arpit Kakadiya | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 46d | ## Metadata & Market Performance - **Publisher:** Arpit Kakadiya - **Category:** Finance - **Target Audience:** Students, freelancers, and business owners seeking a visual and secure method to track personal or professional finances. - **Platforms:** iOS - **Version Reviewed:** 1.0.4 - **Report Date:** 2026-08-15 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.05/1.0) - **App Store ID (iOS):** 6742810804 - **Bundle ID:** com.centillion.MoneyManager - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-08-15 ## Executive Snapshot **What it is:** Cashbook & Money Tracker is a manual expense and budget management tool for students and freelancers on iOS. **Why users hire it:** The app removes the friction of manual bookkeeping for users who prefer local-first data storage over automated, cloud-connected banking integrations. ## App DNA (Features & Intent) - **[Standard] Transaction Logging:** Logs expenses and income with category, account, notes, and image attachments, establishing a primary financial record. - **[Differentiator] Security Suite:** Protects financial data with Face ID, passcode locks, and custom app icons, reducing churn for sensitive data management. * *User Intent:* Users value self-expression and personalized experiences. - **[Standard] Budget Planning:** Sets and tracks monthly budgets with real-time progress indicators, creating a daily habit loop. * *User Intent:* Users are motivated by consistent progression and daily incentives. ## Market Position {#market-position} Cashbook & Money Tracker maintains a niche position as a free, manual-entry tracker, though its lack of updates over the last 296 days limits its competitive standing against active, cloud-integrated rivals. ## Monetization Strategy - **Model:** Free - **Tiers:** Free version with no explicit subscription tiers - **Analysis:** The app operates as a free tool with no visible IAP or subscription gates. ## SWOT Analysis {#swot} **Core Strengths:** - Biometric security and custom app icons provide a defensible privacy barrier for sensitive financial data. **Growth Levers:** - Introducing a cloud-sync tier could capture users migrating from manual spreadsheets. ## Recent Changes (v2 → v3) {#recent-changes} The app's development status remains unchanged, with no new features or pricing adjustments deployed in the last nine months. The primary shift is a more critical assessment of the risks associated with the ongoing development freeze. **Overall trend**: Stable **Compared at**: 2026-08-15 ### High-impact changes - **[Shifted] Refined Risk Assessment** (positioning) ### Medium-impact changes - **[Shifted] SWOT Consolidation** (swot) ## What's New - **Latest (v1.0.4, 9 months ago):** Introduced iCloud Backup functionality for data synchronization. ## App Momentum (Zombie) {#momentum} - No feature updates in nine months. - Development status remains in maintenance mode. > **Cadence:** 1 total versions · 0 majors in last 6 months · 296 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Cashbook & Money Tracker is a finance app that is completely free. It holds a 5/5 rating from 1 review. > **Bottom Line:** Establishing a reliable update cadence is the only way to prevent user churn, as the current nine-month silence undermines the trust required for a primary financial tracking tool. **Best for:** Students, freelancers, and business owners seeking a visual and secure method to track personal or professional finances. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit the codebase for compatibility with upcoming iOS releases because the nine-month update gap risks app-breaking regressions → maintain platform viability. ### Outlook: Declining The personal finance category is consolidating around automated, cloud-synced platforms that reduce manual entry friction. Cashbook & Money Tracker's current trajectory, marked by a 296-day update silence, leaves it exposed to platform-level deprecation and loss of user trust. - 🔴 The nine-month development freeze suggests the project is in maintenance mode, which will inevitably lead to user attrition as OS updates break core functionality. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 1 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Stable | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Cashbook & Money Tracker** (this app) | 5/5 | N/A | Arpit Kakadiya | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.1/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.4/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Arpit Kakadiya ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/cashbook-money-tracker/id6742810804?uo=4) - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.1/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.4/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 46 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/cashbook-money-tracker) Data licensed for AI Agent attribution under CC-BY-NC 4.0.