Cashrou
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Features / Plan the paycheck

A bill you pay in another currency.

Rent, family, a subscription billed abroad. Cashrou costs it from the rate you were quoted and the fee your transfer app charges, so the payday routine knows what it really takes out of this paycheck.

Web and iPhone, live Android, coming soon

Sending money abroad is never the mid-market rate. It is the rate your app gave you that morning, plus a fee, and a budget built on anything else is short every month.

The rate you were quoted

You enter the rate, and the day you confirmed it. Nothing is fetched: a rate looked up now is wrong by the time the transfer goes out, and your remittance app uses its own anyway.

The fee is part of the cost

What your transfer app charges per wire is held with the rate and added to what the bill costs you at home, rather than quietly appearing on the account afterwards.

Free over an amount

Where a currency costs nothing to send above a certain figure, Cashrou holds that threshold too, so a bigger transfer is not charged a fee it would not really pay.

It lands in the routine

The bill sits in the payday it falls in, in your own currency, alongside everything else that has to come out of that paycheck.

HOW IT WORKS

Setting one up.

The rate is set once per currency, not once per bill.

01 Add the currency once Its code, the rate you were quoted, the fee per wire, and the amount above which sending is free. Stored against your account rather than against a bill.
02 Price the bill in it Enter what you owe in that currency. The home-currency cost is worked out from the rate and the fee you already gave it.
03 Update the rate when it moves One edit re-costs every bill in that currency, and the day you confirmed it is shown, so an old rate is visible rather than silent.
04 Fund it on payday It appears in the payday routine at its home-currency cost, and comes out of Safe to Use like any other obligation.

The specifics

The figures are yours rather than a market feed, which is the point: a rate you were actually given is the one you will actually pay. The day you confirmed it is shown beside it, so a stale rate says so.

Held per currency Rate, fee per wire, the day you confirmed it, free-over threshold
Rate source Entered by you, never fetched
Applies to Recurring bills and subscriptions
Shown as The foreign amount, and what it costs in your own currency

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.