Meet your smart personal accountant who'll tell you exactly how much you can safely spend
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
SELECT ACCOUNTS FOR CONTINOUS ANALYSIS
Accountants use proven analytical tools to predict what a balance sheet will look like in the future. A predictive algorithm will monitor your accounts and continuously analyze your financial data.
SEE WHAT YOU CAN SAFELY SPEND RIGHT NOW
Cashews will tell you how much you can safely spend per day, week, or month after recurring expenses such as a mortgage, insurance, car loan, subscriptions, etc.
There’s no need to spend hours every month categorizing and micro-sorting transactions.
CONNECT TO FAVORITE BANKS AND CREDIT CARDS
Making informed decisions requires accurate data. With secure connections to more than 12,000 banks and financial institutions, if you don't keep your money under your mattress, Cashews can count it. Just link whatever checking accounts and credit cards you use.
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 cards provide the ability to build a credit record and receive a credit score. Suppose you have a high credit utilization on your cards. You might find yourself with a lower credit score.
See your credit utilization of all favorite credit cards and avoid unnecessary high-interest rates.
An overdraft occurs when there isn't enough money in an account to cover a transaction or withdrawal, but the bank allows the transaction anyway.
Know when you’ve hit an overdraft and what fees you are paying.
A personal cash flow is essential because it allows you to identify where your income is coming from and how it is being spent.
Compare your current spending versus your previous month or year on a chart.
Compound interest happens when you reinvest your earnings, which then earn interest as well. It means "interest on the interest" and is why many investors are so successful.
Calculate and visualize how much your money can grow using the power of compound interest.
Cashews will analyze your financial history and recognize all recurring expenses so that you'll have an overview of all current costs.
You might even catch one or two that you don't use anymore!
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!
Pricing based on a couple of cups of coffee
You can choose between monthly, quarterly or yearly payment.
$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.
Daily Balance Notifications
Connect to unlimited banks
Automatic Cash Flow Analysis
Always know your Spendable
Why isn't Cashews free?
WHY ISN'T CASHEWS FREE
It costs real money to establish secure connections with banks and build our customers a first-class application. We think the financial confidence and long-term savings it provides will be more than worth it.
We’re in this for the long haul. We want to continue building and improving on Cashews for years to come, and subscription pricing makes that possible. We get to do the work we love, and you get the comfort of knowing that we’ll never sell your data or promote other companies’ products just to make a buck.
A team that's on your side
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.
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
Sign up for a free monthly newsletter and get your download link!
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.