About

About Cashrou

Cashrou is a payday routine, not a budget. It plans around the days you are actually paid, whatever those are, instead of assuming a calendar month.

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The problem it was built for

Almost every budgeting tool starts from a calendar month. You get a monthly income figure, monthly categories, and a monthly total to stay under.

That works if you are salaried and paid once a month. It falls apart the moment you are paid every two weeks, because twenty-six paychecks do not divide into twelve months. Two months a year you are paid three times, and those months quietly rescue the other ten, which means you cannot tell whether a normal month was actually fine.

It falls apart harder on irregular income. If the amount is different every time, a budget built on an average is a budget that is wrong twice a month, in both directions.

What a budget assumes

One month, one figure

Twenty-six paychecks

1st15th29th12th

Two months a year there is a third one, and those two quietly rescue the other ten.

What it does instead

Cashrou is organised around paydays. You say how often you are paid and on which days, and every bill is assigned to the paycheck it actually comes out of.

Then each payday you run a short routine: confirm your balances, tick income as it lands and bills as they clear, and read the one figure at the bottom. That figure is what is genuinely free to spend, after the bills that have not cleared yet and the buffer you refuse to go below.

It is one number rather than a set of categories you are 60% through. Categories tell you how you did. This tells you what you can do now.

A payday in Cashrou with the one figure at the bottom

The trade

Why there is no bank connection

Cashrou never asks for your bank login and holds no read access to your accounts. You tell it what your balances are, which takes about a minute each payday.

That is a deliberate trade, and it costs something: you do the balance entry yourself. What it buys is that there is no credential of yours for anyone to lose, and no third party sitting between you and your bank. Importing a spreadsheet or a bank export does the typing for you, and the file is read on your device.

It also means Cashrou has nothing to sell. The free budgeting apps are mostly free because the data is the product, or because they are a funnel toward a loan or a card. That model needs read access to your accounts and needs your attention pointed at whatever pays the referral fee. $4.99 a month is the alternative: you are the customer, the app has one job, and nobody is paid to point you at a credit card.

Cashrou has nothing to sell.

Who builds it

Cashrou is made by a very small team, and one consequence is worth stating plainly: there is no support department. Email reaches somebody who works on the app.

Email the team

Straight answer

What it is not

It is not a bank, and it does not hold or move your money. It is not financial advice, and it will not tell you what to do with what is left. It does not connect to your accounts, so it cannot pay a bill for you or catch a transaction you forgot.

Not a bank, and it holds no money
Not financial advice
No connection to your accounts
It cannot pay a bill for you

It tells you what is left this payday, before you spend it. That is the whole job.

Try it for a payday

Seven days free, which is deliberately about one payday. If your paydays are further apart than that, write to us and we will extend it.

Start seven days free How it works