Paycheck planning
Create a separate plan for every payday instead of forcing your money into one monthly budget.
Paycheck budget planner
Plan every paycheck before you spend it.
Cashrou gives every paycheck a clear purpose. Organize your bills, savings, debt and spending in one simple payday routine, without another complicated spreadsheet.
Coming soonApp StoreComing soonGoogle Play
Built for weekly, biweekly and twice-monthly pay schedules. Seven days free, then $4.99 a month. No bank connection.
- No bank connection
- You type your balances in. Nothing to hand over.
- Four pay rhythms
- Weekly, every two weeks, twice a month, monthly.
- iPhone, iPad and web
- One subscription covers all of them.
- Seven days free
- About one payday, then $4.99 a month.
Your bank balance is not your spending budget.
Your account might show $2,400, but some of that money already belongs to rent, bills, savings and upcoming payments. Cashrou helps you see what every dollar needs to cover before you start spending.
Payday without a plan
- Check two or three accounts
- Update the spreadsheet, if you remember
- Go looking for what is due next
- Work out what is left in your head
- Hope nothing was forgotten
Payday with Cashrou
- Add the paycheck you actually received
- Assign it to bills, savings and goals
- See what is safe to spend
- Follow the plan until the next payday
Your complete payday routine in three steps.
A few minutes on the day you are paid, and the rest of the pay period is a plan you are following rather than a sum you are redoing.
1
Add your paycheck
Enter how much you received and when your next payday arrives. Cashrou counts the days from there.
2
Plan where it goes
Assign money to bills, savings, debt, subscriptions and everyday spending, and tick each one off as it clears.
3
Know what is left
See exactly how much is available after everything important is covered, for the whole stretch until you are paid again.
Everything you need to plan the money you already have.
Cashrou is a planner, not an account. It never connects to your bank, and it never moves a dollar.
Upcoming bills
See which bills have to be covered before your next paycheck arrives, and which can wait for the one after.
Safe-to-spend balance
One figure for what remains after bills, savings and commitments are accounted for.
Savings goals
Set money aside for emergencies, holidays, large purchases and sinking funds.
Debt planning
Assign part of each paycheck to credit cards and loans, with a date the balance reaches zero.
Flexible income
Adjust the plan when the income or the expenses change, which on a variable income is most paydays.
Recurring expenses
Save the regular bills and subscriptions once, so you are not rebuilding the budget every payday.
Financial progress
See how each payday decision moves the savings and the debt, rather than guessing.
Your spreadsheet worked. Until it became work.
Budget spreadsheets are flexible, and they also want formulas, manual updates, duplicate tabs and constant repair. Cashrou keeps the payday method you already understand and turns it into a routine built for your phone.
A
B
C
D
2
Rent
1450
=B2*1
1st
3
Power
186
=B3
4th
4
Card 1
95
=B4*0.02
1st
5
Card 2
35
#REF!
1st
6
Food
380
=SUM(B2:B6
wk
7
Left
#VALUE!
August copy of July copy of June.xlsx
- No formulas to maintain
- No duplicate payday tabs
- No cells to repair
- No starting over each month
- Wherever your phone goes
- The same plan in a browser
Payday, not the 1st
Built around payday, not the first day of the month.
Bills do not arrive neatly at the start of the month. Cashrou helps you decide what each individual paycheck has to cover between today and the next time you are paid.
- Paycheck receivedFriday 1 August+$4,511
- RentAuto pay, paid-$1,450
- GroceriesAuto pay, paid-$380
- Credit card minimumsAuto pay, paid-$130
- UtilitiesStill to come out-$312
- Visa Rewards minimumStill to come out-$95
- Store Card minimumStill to come out-$35
- Left overUntil you are paid again$2,109
- Next paydayFriday 15 August
A payday plan for real life.
However often the money arrives, and however much it varies, the question on the day is the same one.
Weekly income
Plan shorter stretches and stay ahead of the bills that land between paydays.
Biweekly paychecks
Decide which of the month's two paychecks covers which bills, including the months there are three.
Variable income
Build the plan on what actually landed rather than on an average you do not get.
Couples and households
Put the shared bills in one payday plan, so the household costs are covered before either of you starts spending.
Open your banking app without doing mental math.
- Know which upcoming bills are already covered
- Make spending decisions with more confidence
- Build savings into every payday
- Stop accidentally spending money that is needed later
- Take the guesswork out of where the paycheck went
- Keep a money routine that takes minutes, not hours
See your entire payday at a glance.
One screen answers the question you actually open the app to ask.
- Paycheck received
- $4,511
- Bills paid so far
- $1,960
- Still to come out
- $442
- Already allocated
- $150
- Left over
- $2,109
- Next payday
- in 14 days
What we hope you will say.
Cashrou is not out on the App Store yet, so there is nothing here we could honestly call a review. These are the sentences we are building towards.
Cashrou replaced the spreadsheet I had been updating every other Friday.
Now I know what I can spend without accidentally using money meant for bills.
I finished my whole payday routine before I left the car park at work.
Every card above is placeholder copy, not a quote from a customer, and each will be replaced once there is a real one to publish.
One price, and everything is in it.
There is no tier that unlocks the part you actually came for. Start with seven days free, which is about one payday, and cancel any time.
$4.99/month
Cancel from your phone in two taps.
- The payday routine
- Debt payoff plan with a date
- Goals, net worth and subscriptions
- iPhone, iPad and the web app
- Seven days free
$49.99/year
Works out at $4.17 a month.
- Everything in monthly
- Two months cheaper over a year
- One subscription covers every device
- Same seven days free
- Cancel any time
Prices in US dollars. Bought on your iPhone the subscription is billed by Apple, bought on the web it is billed by Stripe, and either one unlocks both.
Your financial routine should stay yours.
Cashrou has no connection to your bank and no read access to your accounts, because you type your balances in yourself. There is no transaction feed here for anyone to lose.
- No bank login, ever
- We do not sell your personal financial information
- Your account is yours to delete, from the app
- Subscriptions are managed by Apple or by Stripe
- Clear controls over what is stored
- Plain language, not a wall of terms
Cashrou is a budgeting and planning tool. It does not hold or move your money, and it does not provide financial, investment, tax or legal advice.
Questions
Questions people ask before they start.
If yours is not here, a person answers the email. Ask us anything.
Is Cashrou a bank?
No. Cashrou is a budgeting and paycheck-planning tool. It does not hold your money, it does not move your money, and it has no connection to your bank.
Can I use Cashrou if my income changes?
Yes. Each payday plan is built on the amount you actually received, so a short paycheck changes the plan rather than breaking it.
Does Cashrou work for weekly or biweekly paychecks?
Yes. Weekly, every two weeks, twice a month, monthly, and different every time. You give it one real payday and the rhythm, and it counts from there.
Can Cashrou replace my budget spreadsheet?
That is what it is for. It keeps the payday-planning method a spreadsheet gives you and takes away the formulas, the duplicated tabs and the monthly rebuild.
Can couples use Cashrou?
You can plan the household bills out of the paycheck they come from, which is what most couples want on payday. A shared household account, where two people sign in to the same plan, is not available yet.
Is there a free trial?
Yes. Seven days free, which is about one payday, and you are not charged if you cancel inside it.
Can I cancel my subscription?
Yes. If you subscribed on an iPhone, cancel in your Apple subscription settings. If you subscribed on the web, cancel from your account page. Either takes about two taps.
Does Cashrou provide financial advice?
No. It helps you organize and plan money you already have. What you decide to do with it is yours, and for advice about your situation you want a licensed advisor.
Early access
Be first to plan your payday with Cashrou.
The iPhone and Android apps are not out yet. This is how you hear on the day they are.
- One email, on the day it lands
- No newsletter and no drip sequence
- Not sold, and used for nothing else
Already have a browser? Start free on the web instead, no waiting.