Make informed decisions and achieve financial peace of mind. Say goodbye to financial anxiety and experience a brighter financial future.
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Real-time Financial Visibility
Have a real-time visibility into your finances. We track your predicted income and recurring expenses, deduct them from your income, and provide you with a Spendable balance. As you make daily expenses, your Spendable balance updates in real-time, giving you immediate insight into your available funds. This enables you to make informed decisions and take control of your spending.
Flexible Tracking Options
Effortlessly track your income and expenses by offering automated sync with 12,500+ financial institutions. Your transactions are automatically imported for accurate records. You also have the option to manually add income or expenses when needed. With Cashews, you can easily track and manage your finances in one place, ensuring a hassle-free expense tracking experience.
STREAMLINED EXPENSE TRACKING
Simplify expense tracking with our Predicted Expenses feature. We automatically detect recurring expenses on a weekly, bi-weekly, monthly, quarterly, and yearly basis and present them in a convenient list. You have the flexibility to manually exclude specific expenses or designate non-recurring expenses as recurring. This streamlines your expense management by providing a comprehensive view of your expected financial obligations, allowing you to proactively plan and budget with ease.
Goal-Oriented Financial Planning
With Goals feature, you can set short-term, mid-term, or long-term financial goals. We calculate the monthly financial commitment based on your goal details and deduct it from your Spendable balance. This allows you to track your progress, stay motivated, and align your budget towards achieving your financial goals efficiently. Cashews helps you plan and prioritize your goals effectively.
Smart Expense Decision Making
"Can I afford it?" feature predicts your purchase affordability with graded confidence. By entering the desired amount, we assign a grade (A, B, C, D, or F) based on your financial history. This empowers you to confidently evaluate expenses and make informed choices for better financial management. Cashews ensures you can assess affordability with confidence.
Enhanced Expense Management
Advanced filtering feature allows you to effortlessly manage expenses. You can filter by income/expense, recurring/non-recurring, manually added/synced transactions, sub-accounts, specific months, and sort them ascending or descending. This streamlined filtering capability ensures efficient organization and tracking of your financial transactions. Cashews simplifies expense management for better control over your finances.
Stay Informed, Stay in Control
Smart notifications provide timely alerts for your largest upcoming bills, unusual activity, and missed recurring expenses. With these notifications, you can stay informed about your finances and take immediate action to manage your expenses effectively. Cashews empowers you to stay in control of your financial well-being effortlessly.
Cashews makes money from subscriptions and will never share or sell your data.
MILITARY GRADE SECURITY
Banks only authorize us with “Read-only” permissions, which means we can never operate with your money.
To ease your mind from the financial stress.. You can opt-out of course!
SETUP IN UNDER 3 MINUTES
Unless you have accounts at more than 5 banks. Then it might take you 4 minutes!
Gain useful insights that help understand your finances
Power-up your personal finances with easy to understand insights that are auto-generated for you.
Credit Usage feature offers smart credit card management. Connect your credit card to view its limit and current utilization, empowering you to make informed decisions about your spending.
Cashews helps you effectively manage your credit card usage for a healthier credit profile.
Investment Potential feature calculates the amount you can safely invest in the stock market based on your financial history. This evaluation helps you make informed investment decisions and optimize your investment potential.
Cashews empowers you to plan your investments responsibly, ensuring a solid financial strategy for achieving your investment goals.
Cashflow feature presents your cashflow in a graph, allowing you to visually compare month-to-month and year-to-year trends. This visualization helps you track and understand your income and expenses over time, enabling smarter financial decisions.
With Cashews, you can easily visualize your cashflow trends for improved financial management.
Financial Analysis feature provides valuable insights into your earnings, expenses, and recurring expenses through interactive graphs. You can view your monthly income and expenditure, along with the percentage of recurring expenses. Additionally, the "Trends" tab allows you to explore this data over 3, 6, or 12 months. This analysis empowers you to understand your financial patterns, identify trends, and make informed decisions for better financial management.
Cashews offers comprehensive financial analysis, enabling you to gain valuable insights into your financial behavior.
Cashews' "Top Spending" feature allows you to identify your spending patterns with ease. In the "Merchants" and "Transactions" tabs, you can view comprehensive tables that highlight where you've spent the most money. Whether it's analyzing spending by specific merchants or by transaction value, you have the flexibility to explore your spending patterns for the current month, last month, or over the past 3, 6, 9, or 12 months.
Cashews empowers you to gain insights into your spending habits, helping you make informed decisions and effectively manage your expenses.
What our users say
I got so tired of other budgeting apps that looked slick but fell apart when looking at any of the detail. These other apps would hilariously misconstrue my transactions, duplicate dollars because of simple transfers, and blow up my phone with unnecessary and irrelevant notifications on red herrings from their poorly categorized interpretations on my spending.
Cashews is different. It summarizes the transactions across accounts seamlessly and doesn’t force me to repeatedly relabel transactions over and over. This is a great app and anyone interested in seeing a big picture view of their spending capacity and habits should give it a try.
I’ve been looking around for an easy personal finance that doesn’t force me to categorize every transaction and I’ve finally found it. Would love to see an option to add my personal goals. Daily balance notifications are a plus!
Google Play Store
It's nice! We'll see if I stick around for the subscription, but I really do like the simple interface. The colors aren't always my choice. But the app itself is a cool concept, because I never follow the budgets I make, so maybe I'll follow the algorithm. Do I need to set a budget in advance for eating out, then go, "Oh, I broke that this month," or say, "Oh, I have $200 extra I didn't spend on that this month"?. I like to live my life and occasionally check how I'm spending. If I'm spending more on eating out, that might be an area I can save. Or I might decide I'm comfortable spending a bit more on that.
Ever since I’ve started working full time, I was always worried about hitting the overdraft and was constantly checking my balances. Frustrated, I have been looking for a simple app that would allow me to see my credit usage and utilization across three credit cards and two bank accounts. And I’ve finally found it!
We're on a mission to help you build better a relationship with money and gain a better overview of your personal finances.
In early 2014, my family's financial life was a disaster. It got to the point where I was afraid to open my banking app or, worse, credit card app, to look at the balances. We were overwhelmed trying to keep our budget intact as the neatly organized categories collided with our busy life as a young family. We had no idea how to predict how much to budget for home repairs, kids clothing, or what a picky eater would do to our grocery budget.
Frustrated, I spent months working to build a simple application that would send automated monthly cashflow analysis, daily notifications, and alerts for anomalies. We used it for years, and the daily balance and Spendable notifications every morning became indispensable.
Through 2020, I tested every new personal finance app, hoping I could turn off my homemade solution, but nothing fit our needs for something that's both low effort and high impact. The current tools are built for people who want to budget and invest as a hobby, not for busy people who just want to know they're doing okay. This is why I have built Cashews - converting what has been the cornerstone of my family's financial life into a mobile app that is secure, stable, and scalable to serve all of you.
We want everyone to get better with personal finances
That’s why we’ve decided to offer Cashews for free for 1 year.
Financial management can be overwhelming and we believe taking control over spending is a crucial step towards financial stability and reaching long-term financial goals. It costs us $75 per trial to compensate our team and offer this one-year trial to everyone.
Free for the 1st year
Only $69.99/year after.
Daily Balance Notifications
Connect to unlimited banks
Automatic Cash Flow Analysis
Always know your Spendable
$8.99 / month
7-day trial. Billed monthly.
$19.99 / quarter
14-day trial. Billed quarterly.
$59.99 / year
14-day trial. Billed yearly.
No commitments. Cancel anytime.
WHEN CAN I USE CASHEWS?
Cashews is available for iOS and Android mobile devices since January 2022. Check out the download links below!
WHICH COUNTRIES ARE SUPPORTED?
We’re launching in the US first. It’s where we are and where we have the most experience with financial institutions. Banking systems and regulations are different in every country. We want to make sure we do this correctly, which means expanding slowly and only after creating an excellent experience for customers.
WHAT CURRENCIES ARE SUPPORTED?
Because we’re launching in the US first, we’re starting with US dollars. We hope to add CAD, EUR, GBP, Bitcoin, Ethereum and other cryptocurrencies shortly.
HOW IS DATA SECURE?
To start, we only ask for and store the absolute bare minimum amount of information required to provide you with a stellar experience. We don’t and won’t ever sell this information or use it for advertising. Furthermore, the data we gather is all encrypted with finance industry-standard AES-256 encryption.
WHY SHOULD I CHOOSE CASHEWS?
Cashews is unique because it uses predictive cash flow analysis to give you a clear, real-time snapshot of your financial standing relative to your big-picture goals. But we also think that Cashews stands out because it avoids some shortcomings, frustrations, and risks that we’ve experienced when using personal finance apps. For instance, some apps are great at collecting data from all our accounts in one place. But they have no predictive capability — they don’t even keep track of recurring monthly expenses. Other apps are too rigid. They’re focused on strict budget categories, so they chastise us for stocking up on paper towels at the grocery store or putting an emergency medical procedure on a credit card. Or they’re built on a calendar month time period and can never understand that we get paid on the 5th and 20th. And other apps work okay, but they’re owned by banks, software companies, or worse, marketing companies. So their objective is either to sell you other financial products or to get your data to sell to advertisers. All we want to sell you is Cashews. We designed it because it was something we needed — and we think you’ll find it helpful, too.
WHAT ARE SPENDABLE MODES?
Spendable mode enables you to tell Cashews your current or desired spending style. That way, Cashews will show you the most accurate information with respect to your income and expenses. There are 3 Spendable modes: Conservative, Normal, and All In. Conservative: Your Spendable amount is based using 80% of your income, subtracting expected expenses, and paying off any credit card balances from the prior month. This mode is best if you want to: • Spend less than you make. • Do not carry a credit card balance.
Normal: Your Spendable amount is the money left over from your income after expected expenses. This mode is best if you want to: • Spend what you make, but no more. • Carry a credit card balance.
All in: Your Spendable amount for the month is calculated using all income and all connected bank balances, after removing expected expenses. This mode is best if you want to: • Use a cash balance for monthly expenses. • Do not have enough account history to predict regular income and expenses.
All users have Normal mode selected by default. This can be changed by going into Settings → Spendable mode
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