Cashrou
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Features / Plans and goals

A target worked out from your own bills.

Cashrou reads three months of your real obligations and sets the number itself. Three months of your life, not a round figure from an article.

Web and iPhone — live Android — coming soon

Everyone agrees you need an emergency fund. Almost nobody can tell you what theirs should hold. Cashrou can, because it already knows what your months cost.

Calculated, not guessed

Rent, utilities, insurance, groceries, minimum debt payments and subscriptions, averaged over three months and multiplied out.

Yours to override

Want six months instead of three, or want to leave subscriptions out of it? Change the multiplier or the categories and the target follows.

Moves with your life

Rent goes up, the target goes up. You find out at the moment it changes rather than two years later.

Held apart from spending

The fund sits outside Safe to Use, so it is never quietly available on a slow Thursday.

HOW IT WORKS

Filling it without noticing.

The fund is a goal like any other, which means it gets funded on payday alongside everything else.

01 Cashrou proposes a target Based on three months of your actual obligations. You see the categories it used and can change any of them.
02 Pick a contribution Per paycheck or per month. Cashrou converts between the two and shows the completion date either way.
03 Watch the date, not the balance A balance creeping up is hard to feel. A finish date moving closer is not.
04 Rebuild after you use it Spending from the fund is expected. Cashrou marks the drawdown and resumes filling it on the next cycle.

The specifics

The default target is three months of essential obligations. Most guidance suggests three to six; Cashrou starts at the lower end so the goal stays reachable.

Target Your monthly bills times the months you choose
Source data Your current recurring bills, minus any you exclude
Override The months, the bills counted, and the accounts that count toward it
Counts toward Net worth, not Safe to Use

Works with

See it against your own numbers.

Seven days free on the web app. $6.99 a month or $49.99 a year after that.