How do I get started, and how long does it take?
Download Cashews for iPhone or Android, or open app.cashews.finance in your browser (beta). Sign in with your phone, email, Apple, or Google, then connect your banks through Plaid. Connecting takes about a minute per bank, and you only do it once. Your number appears as soon as the first sync finishes, usually under a minute and occasionally up to 15. If it takes longer than that, write to [email protected] and we will take a look.
What is Spent So Far?
The one number on your home screen: everything you have spent this month across every connected account, updated daily. Your bank app shows one account at a time. Cashews adds them all up, shows your daily spending rate, and shows how this month is pacing against last month, next to the recurring charges it found.
What is Spendable mode, and how is it calculated?
If you prefer to look forward instead of back, turn on Use Spendable Balance in Settings. Cashews forecasts your predicted income and recurring expenses for the next four weeks and shows how much is safe to spend today: predicted income minus predicted expenses. Tap the number for the full breakdown, and choose how conservative you want the forecast to be.
The number seems off. How do I make it more accurate?
Three things help the most. First, connect the everyday accounts where your income lands and your spending happens, including credit cards. Second, exclude savings, investment, and retirement accounts from the calculation (Accounts tab, then Edit). Third, if Cashews missed a recurring expense, open that transaction and toggle Mark as recurring so it counts toward your predictions.
Do I have to budget or categorize everything?
No. The number works with zero upkeep. If you want the breakdown, categorizing is a swipe: Need, Want, or Other, and custom categories are there when you want more detail. It takes seconds, not a Sunday afternoon. If you like structure, you can also set savings goals in the Insights tab and Cashews folds the monthly commitment into your Spendable balance.
How does recurring charge detection work?
Cashews flags a charge as recurring when the same merchant charges a similar amount on a regular schedule across about three months of history. Detected charges show up in Predicted Expenses with amounts, due dates, and reminders. Most people find subscriptions they forgot they were paying, which tends to be worth more than Cashews costs.
Cashews missed a recurring expense. Can I add it manually?
Yes. Open the transaction, toggle Mark as recurring, and set how often it repeats (monthly is the default). Automatic detection needs about three months of history, so brand-new subscriptions often need this manual nudge.
How are credit card payments handled?
If the credit card is connected to Cashews, the card payment itself is treated as a transfer between your accounts, not an expense, and each purchase on the card counts as the expense instead. If the card is not connected, the payment counts as an expense. Connecting your cards gives the cleanest picture.
Which banks work? What if mine is not on the list?
Cashews connects to more than 12,500 US banks and credit unions through Plaid, and there is no limit on how many accounts or institutions you connect. If yours is not supported, tap Can't find your bank? in the connect flow and we will email you as soon as it is available.
Is it safe to connect my bank?
Cashews connects through Plaid, the same service used by Venmo and American Express. You log in at your bank, and Cashews gets read-only access. Read-only by design: Cashews can see what you spent, it can never move your money, and we never sell your data. The full plain-language rundown is on our Security page.
I am having trouble connecting my bank.
A few things to try. Some banks offer more than one login method in Plaid, so try each of them. If you see a message that your bank is no longer supported, our data provider has retired that connection and we cannot restore it, but you can connect a different bank or card. For anything else, email a screenshot to [email protected] and we will escalate it with Plaid directly.
Why do I sometimes need to reconnect a bank?
Banks periodically require a fresh login to keep sharing data, and connections that sit unused for a while are paused for safety. When that happens Cashews shows a reconnect prompt. It takes about 30 seconds, and your history and settings stay intact.
Can I share Cashews with my partner?
Yes. Invite your financial plus one from Settings and you will both see the same accounts, transactions, and insights on any device: iPhone, Android, or the web. One subscription covers the whole household.
Is there a web version?
Yes, in beta. Open app.cashews.finance in any browser and sign in with the same phone, email, Apple, or Google account you use in the app. Nothing to install.
How much does Cashews cost, and is there a free trial?
$3.99 a month, or $39.99 a year. One subscription covers your whole household. New subscribers get a free trial: 14 days on monthly, 30 days on annual. Cancel anytime from your App Store or Play Store subscription settings. For context, the big finance apps run $99 to $199 a year. Cashews is $4 a month, and most people find more than that in charges they forgot about.
How do I remove an account, or delete my data entirely?
To remove a bank, go to Settings, then My banks. To delete your Cashews account, go to Settings, then Account: deletion removes your data with it. You can also request deletion here.
My balance looks blurry. How do I fix it?
That is the privacy blur, for glancing at the app in public. Go to Settings and turn Show balance on.
Do you support banks outside the United States?
Not yet. Cashews currently supports US banks and credit cards, in US dollars. Sign up for the newsletter on our homepage and you will hear when that changes.
I have a question this page did not answer.
Email [email protected]. A human answers, usually the founder.
