The Problem

Your money lives in five apps that never talk.

Casharchy runs it as one hierarchy: cash and spending at the top, feeding debt, investments and tax, all rolling up into one net worth and the decades ahead.

Start free See every feature

Today

A budget app, a brokerage, a spreadsheet and tax software. You reconcile them by hand.

In Casharchy

Cash and Spending are the source. Every other tab is built from them.

THE SOURCE payments transfers surplus income 1Cash 2Spending 3Debt 4Brokerage 6Federal Tax 5Net Worth 7Projections 8Dashboard
How it works

Cash and Spending count what hasn't happened yet.

Your paychecks and bills are forecast rows in one dated ledger. As each one really happens, it turns from forecast into fact, and every tab built on top of it firms up with it.

01

You forecast it

Rent, the card, an electric bill: future rows with your best guess. Cash's balance and Spending's month already include them.

Oct 7Rent-2,400.00
Oct 11Electric bill-142.00
Oct 25Credit card-1,800.00
02

It happens, you match it

The real charge syncs in from your bank. In the Bank Inbox you link it to the forecast row it belongs to.

ELECTRIC CO PMT-147.12
⇅ match
Electric bill · forecast-142.00
03

Now it is fact

The estimate becomes the real amount. The month's total drifts from your $4,200 estimate to the $4,310 that happened.

45% actualforecast
Oct 1 · $4,200 forecastOct 31 · $4,310 actual
Read the full guide: every tab, where each number comes from, and the life of a transaction →
The same holding in four accountsVTI
Brokerage · Taxable$40,000
Roth IRA · Retirement$30,000
401(k) · Retirement$30,000
HSA · HSA$10,000
One VTI position$110,000
55% actual · 50% target+$10,000 over
CategoryActualTargetOff target
US Stocks68%60%+$16,000
International15%20%-$10,000
Bonds12%15%-$6,000
Cash5%5%$0
Sample portfolio: $200,000 across four accounts.
4Brokerage

Every account you own, as one portfolio.

The same fund in your brokerage, Roth, 401(k) and HSA counts as one position, measured against one target. See the whole portfolio by position or by category, priced from market data refreshed every 2 minutes (may be delayed), and the gap to target in dollars.

  • Targets for all accounts and for each account type you name
  • Track a target before you hold it: it shows as "not held"
  • Stocks, ETFs, funds and mainstream crypto priced on every page
Try it nowHow it works
✦ AI Optimize · Every month endFloor $1,000
Oct 31Planned transfer · everything above the floor-2,200.00
Nov 30Planned transfer · keeps $1,100 back for insurance-1,300.00
Dec 31Planned transfer · what is left above the floor-1,500.00
Planned transfers$5,000
Blue: forecast checking balance. Purple: planned transfers. Sample figures.
1Cash · AI Optimize

See what your forecast leaves above your floor.

Cash holds the bills and paychecks you have entered for the months ahead. Tell it the lowest balance you want to keep, and Optimize plans transfers of what the forecast shows above that line, without crossing it on any day. Only what is in your ledger is counted.

  • You set the floor and the rhythm: weekly, monthly, quarterly or whenever there is surplus
  • You approve the preview; it is one Undo step
  • A projection, not a transfer: nothing moves until you move it
$5,000 plannedover three months in this sample, with the forecast reaching the $1,000 floor three times without crossing it.
Try it nowHow it works
Net worth$919,810
Assets$1,338,888
Liabilities-$419,079
Wealth trajectoryDaily snapshots
5Net Worth

One number, every asset and debt.

Checking, brokerage, retirement, real estate and personal assets against mortgages, loans and cards. Count your home or leave it out with one switch, and watch the line move with a snapshot every day.

1 reportNet worth, tax, projections, portfolio and a year of spending in one PDF.
Try it now
Horizon25 yrs
Return7.0%
Ending$6.72M
YearStartContrib.GrowthEnd
2027$580,013$46,000+$42,211$668,223
2028$668,223$47,000+$48,421$763,644
2029$763,644$48,000+$55,135$866,779
2030$866,779$49,000+$62,390$978,169
7Projections

See the next 25 years before you live them.

Project every account from its balance, contributions and an annual rate you choose, year by year, to the horizon you choose. The Dashboard puts the same line next to today's numbers.

Try it now

Not seeing something you need?

Talk to us
Total liquidity$10,875
Net flow+$1,906
Lowest ahead$2,775
DateDescriptionSourceAmountBalance
10/16GroceryBank-186.4011,017.78
10/18UtilitiesBank-142.1110,875.67
10/20Brokerage transferManual-2,000.008,875.67
10/25Credit CardManual-3,412.555,463.12
11/01MortgageManual-2,688.002,775.12
11/01PayrollAI+4,820.007,595.12
Yellow: today. Blue: forecast.
1Cash

Your balance on every future date.

A running ledger that carries past, today and planned rows, so you see the lowest point before you reach it and see how much sits above the floor you set this month.

  • Several checking accounts, with transfers that never count as spending
  • Bank Inbox to match each bank transaction to its planned row
  • Undo and Redo for every ledger change
Try it now
BudgetSpentLeft
Groceries$742$258
Dining$388-$38
Travel$1,120$380
Kids$415$185
$1,094 left to spend · $78 a day for 14 days
2Spending

Budgets that agree with the ledger.

Budgets by category, income against spending for the year, and transactions that land in the right place: split one purchase across categories, ignore what isn't spending, and let rules sort the bank's names.

5,000 rowsimported from a CSV export in one step, duplicates skipped.
Try it now
Total debt$419,079
PayoffSep 2046
Interest left$212,904
DueInterestPrincipalExtraBalance
11/01/26$1,974.80$713.20$300.00$397,266
12/01/26$1,969.78$718.22$300.00$396,248
01/01/27$1,964.73$723.27$300.00$395,225
3Debt

A payoff date for every loan.

Mortgages, car loans, student loans and cards with full amortization schedules. Add extra principal and see the payoff date and interest change, and compare it with your other plans.

Try it now
Federal tax · 2026 worksheetMarried filing jointly
Wages$232,000
Self-employment income$48,500
SEP-IRA contribution-$9,016
Adjusted gross income$271,484
Standard deduction-$31,500
Tax · graduated brackets$43,290
Withheld and estimated payments$41,900
Balance due$1,390
Illustrative figures.
6Federal Tax

The year's tax, line by line.

A household worksheet from income to balance due, with paychecks and side income by source. See how a SEP contribution would change the estimate.

Try it now
Worked example

A two-income household sees six accounts, and $18,400 of idle cash, in one place.

Start free

The challenge

Six accounts across three institutions. Dividends and contributions piled up as cash, International drifted 4 points under target, and nobody knew how much could move without starving the checking account before the mortgage.

The result

The Cash forecast showed $2,000 above the household's floor before the 1st. Brokerage showed $18,412 of cash across the six accounts, and each category against the household's own targets: International at 18.1% of a 22% target, Bonds at 15.9% of 18%.

ForecastCash shows the lowest balance ahead.
MeasureBrokerage shows each gap in dollars.
DecideThe household chooses what to do; Casharchy never suggests trades.
TrackNet Worth records the result daily.

An illustrative household with sample figures, not a customer account.

BUILT FOR

HouseholdsCouplesDIY investorsEarly retirement plannersFreelancers
Related