How it works

How Casharchy works

Two tabs do most of the work, and both count what has not happened yet.

Cash

Ledger + forecast

What will be in my checking account?

One dated ledger with a running balance. Past rows are what happened. Future rows are your forecast, so the balance on any day ahead is what you expect to have.

Pastwhat happened
Today
Futureyour forecast balance

AI Optimize uses that forecast to plan transfers of what sits above a floor you set. See how.

Fed byYour forecast rowsChecking account 🔗

Spending

Budget + forecast

Where does this month stand against my budget, counting what is still to come?

Every purchase from every account, sorted into categories. Bills you have forecast in Cash are already counted as Projected, so the month's total is complete before it is over.

$1,900 actual so far$2,350 still forecast
Fed byCredit cards, loans etc. 🔗Checking account 🔗Cash forecastYou

The loop that ties Cash and Spending together

How a forecast becomes a fact

One electric bill, picked out of a month of everyday transactions and followed from your estimate to the confirmed payment, then back into the month's total.

1You forecast it
Oct 5Paycheck+$3,300.00
Oct 7Rent-$2,400.00
Oct 11Electric bill-$142.00
Oct 20Paycheck+$3,300.00
Oct 25Credit card payment-$1,800.00
Oct 28Car insurance-$164.00

Your month in Cash is full of forecast rows: paychecks, rent, the card, insurance. We will follow one of them, the electric bill. Its amount is your best guess.

Cash
Forecast row Your future checking balance already includes it.
Spending
Projected This month's total already counts it.
2It happens, so you link it 🔗 Match
ELECTRIC CO PMTOct 11 · synced from checking 🔗-$147.12
Electric billOct 11 · your forecast row-$142.00

The real charge syncs in from your checking account. Because it has now happened, you match it to the forecast row it belongs to in the Bank Inbox.

Cash
Your forecast row is linked to the bank transaction.
Spending
The Projected row is linked to the same bank transaction.
3Now it is confirmed
Oct 5Paycheck+$3,300.00
Oct 7Rent-$2,400.00
Oct 11 · linked to the bankElectric bill -$142.00 -$147.12
Oct 20Paycheck+$3,300.00
Oct 25Credit card payment-$1,800.00
Oct 28Car insurance-$164.00

The estimate is replaced by the real amount. The electric bill is now a confirmed transaction, while the rows around it are still forecast.

Cash
Linked A confirmed bank payment. Your balance is exact through this row.
Spending
Posted A confirmed spending transaction, counted against your budget at the real amount.
add up every row
4See your whole month in Spending: actual so far plus everything still forecast sample figures

This is every row from step 1 added together, not just the electric bill. Confirmed transactions count at their real amounts, the rest at your estimates, so you always see a complete projection for the month.

Total spending for OctoberConfirmedTotal Oct 1
$4,200 forecast · every bill still an estimate
0%, all forecast$4,200 Oct 11
$1,900 actual · bills linked so far$2,350 forecast · bills still to come
45% actual$4,250 Oct 31
$4,310 actual · every bill linked
100% actual$4,310

You see a full total on the first day. Each transaction you link, like the electric bill, turns a piece of the forecast into fact, so the total drifts from your estimate ($4,200) to what really happened ($4,310). Cash works the same way: the future balance firms up row by row.

Cash · AI Optimize

See what the forecast leaves above your floor

Cash holds the bills and paychecks you have entered for the months ahead. You set the lowest checking balance you want to keep, and Optimize works out how much of the forecast sits above that line, and when, without the forecast crossing it on any day. The result is a schedule of planned transfers you can act on, or not. It counts only what is in your ledger, so a bill you haven't entered isn't covered.

Optimize
You type"Plan monthly transfers while keeping $1,000 in cash."
Your floor$1,000How oftenEvery month end

Why it can do this: your forecast already holds the billsrecurring rows you set up once in Cash

Paycheck5th and 20th+$3,300
Rent7th of every month-$2,400
Credit card payment25th · your estimate-$1,800
Car insuranceDec 12 · once a year-$2,000

Optimize walks this forecast day by day, starting from today. Before each planned transfer it finds the lowest balance still ahead and plans only what sits above your floor at that point, so every transfer is a different size.

Without Optimizebusy with paychecks and bills, yet surplus keeps building
$3k$6k$9k$1,000floor11313031202557202557122025OctoberNovemberDecemberpaycheckpaycheckpaycheckpaycheckpaycheckcardrentcardrentinsurancecard$1,700Idle cash above your floor$6,000on Dec 31$5,000sitting idle
AI Optimize plans only what the forecast shows above your floor
With Optimizea plan for the months ahead: what sits above your floor, and when
$3k$6k$9k$1,000floor11313031202557202557122025OctoberNovemberDecemberpaycheckpaycheckpaycheckpaycheckpaycheckcardrentcardrentinsurancecard$1,700Oct 31$2,200Nov 30$1,300keeps $1,100 back for insuranceDec 31$1,500$1,000never crossed$5,000investedby Dec 31
Forecast checking balancePlanned contribution to investmentsBalance touches your floorSample figures

Your transfer plan for the months aheadforecast rows on future dates. Nothing moves today.

Planned Transfer Above Floor PlannedOct 31 · everything above the floor, since the next paycheck lands before any bill-$2,200.00
Planned Transfer Above Floor PlannedNov 30 · keeps $1,100 back for the Dec 12 insurance bill-$1,300.00
Planned Transfer Above Floor PlannedDec 31 · what is left above the floor at the end of the plan-$1,500.00
You will be able to invest$5,000
$2,200$1,300$1,500
by Dec 31, if the forecast holds
Lowest checking balance$1,000reached three times, never crossed
It is a projection, not a transfer. Each row is what your forecast shows above your floor on that future date, counting only the rows in your ledger. When the day comes you make the transfer yourself and match it like any other transaction. Run Optimize again whenever your bills or pay change, and the plan resizes.
You set the floorOnly what the forecast shows above your floor is planned. Cash stays above the floor whenever a later entered bill needs it.
You set the rhythmWhenever surplus is available, or weekly, monthly or quarterly. A date with no surplus is skipped.
You approve the previewNothing is saved until you review it. Past, reconciled and bank-linked rows are never touched, and it is one Undo step.

The same window can also replace future paychecks with the net pay saved in Federal Tax, and consolidate future credit card payments into one estimate per month. Casharchy schedules these as forecast rows; it does not move money. In the app, the plan runs to an end date you choose within the current year.

Brokerage · position sizing and targets

Every brokerage account you own, in one dashboard

Connect them all and see your whole portfolio by position and by category, with a target for each. Market prices from Yahoo Finance, refreshed every 2 minutes and possibly delayed, keep the values current.

Connect every account

Taxable Brokerage$76,000
Retirement Roth IRA$44,000
Retirement 401(k)$70,000
HSA HSA$10,000

Market prices

Yahoo FinanceMarket pricesevery 2 minutes
One portfolio $200,000 4 accounts · 5 positions Refreshed every 2 minutes · may be delayed

See it as a whole, against your targets

By position a target for every holding

ActualTargetOff target
VTI
55%50%+$10,000
VXUS
15%20%-$10,000
AAPL
13%10%+$6,000
BND
12%15%-$6,000
Cash
5%5%$0

By category a target for every category

ActualTargetOff target
US Stocks
68%60%+$16,000
International
15%20%-$10,000
Bonds
12%15%-$6,000
Cash
5%5%$0
actual your targetSame two views forAll accountsYour account types

Manage account types in Brokerage Settings: names, emoji, preset colors, automatic rules and ordering. Each type has independent targets and a retirement flag for Net Worth and the Dashboard. Snapshots keep the type at capture time.

The same holding in several accounts counts as one position

Brokerage$40,000VTI
+
Roth IRA$30,000VTI
+
401(k)$30,000VTI
+
HSA$10,000VTI
=
One VTI position$110,000measured against one target
Track a target before you hold itA target for something you do not hold shows as "not held".
Your targets, your decisionsCasharchy measures the gap to targets you set. It never suggests what to buy and never trades.

The whole app on one timeline

Every tab: recorded behind you, forecast ahead of you

RecordedForecastToday
Earlier yearsThis year so farTodayRest of this yearYears ahead
CashWhat will be in my checking account?Ledger: what cleared the bankForecast: your expected balance, day by day
SpendingWhere does this month stand against budget?Actual spending, month by monthProjected bills still to come
DebtWhat do I owe, and when is it paid off?Owed nowPayoff forecast for each card and loan
BrokerageIs each position the size I planned?Snapshot historyLive value
Federal TaxWhat will I owe this year?Paychecks entered so farEstimate for the 2026 tax year
Net WorthWhat am I worth, and how is it changing?Snapshots saved up to today
ProjectionsWhere will my accounts be years from now?From today's balances to the end of your plan
Not to scale. Cash and Spending are the two tabs where forecast and record meet: you match each real bank transaction to the forecast row it belongs to, and the estimate becomes the actual.

How it connects

Where every number comes from, and where it goes

Three kinds of input feed five working tabs. Each tab answers one question, and three roll-ups read from them.

Inputswhere every number starts = a linked account, connected through Plaid in Settings

You

Your plan: the bills and paychecks you expect, budgets, targets and anything you type or import.

Checking account

🔗

What actually cleared the bank. Arrives in the Bank Inbox, ready to match to your plan.

Credit cards, loans, investments

🔗

Card purchases, loan and mortgage balances, and the holdings in each investment account.

Market prices

A market price for every holding from Yahoo Finance, refreshed every 2 minutes. Prices may be delayed.

feed
Working tabseach one answers a question

Cash

Ledger + forecast

What will be in my checking account?

Fed byYour forecast rowsChecking account 🔗

Spending

Budget + forecast

Where does this month stand against my budget, counting what is still to come?

Fed byCredit cards, loans etc. 🔗Checking account 🔗Cash forecastYou

Debt

What do I owe, and when will it be paid off?

Cards, loans and the mortgage, each with a payoff forecast.

Fed byCredit cards, loans, mortgage 🔗You

Brokerage

What are my investments worth, and is each position the size I planned?

The same holding across accounts becomes one position, sized against your targets and priced from Yahoo Finance market data (may be delayed). See how.

Fed byInvestment accounts 🔗Market prices

Federal Tax

What will I owe in federal tax this year?

Paychecks turned into a 2026 estimate, line by line.

Fed byYour paychecks
🔗 MatchCash and Spending share transactions. A forecast row in Cash shows in Spending as Projected until you link it to the real bank transaction. See the three steps.
roll up into
Roll-upsread from the tabs above, never edit them

Net Worth

What am I worth, and how is it changing?

Assets minus debts, saved as snapshots over time.

Fed byCashBrokerageDebtManual assets

Projections

Where will my accounts be years from now?

Balances grown year by year with contributions and a return rate.

Fed byBrokerage accountsYou

Overview and Dashboard

How is the whole household doing right now?

Every tab's headline numbers and charts on one screen.

Fed byEvery tab

Page layout

Every page has the same three layers

Learn one tab and you can read them all: summary cards on top, one visualization in the middle, and the details you work in underneath.

SAMPLE DATA · CASH TAB
1Summary cards the headline numbers, always on top
Total Liquidity$9,121.60
Net Flow+$2,277.60
Total Inflow$6,400.00
Total Outflow$4,122.40
UndoRedoBank InboxAIAdd TransactionSettings
2Visualization one chart of the same data
Oct 1TodayOct 31Ledger$8,400$11,600$9,121.60 today$7,641.60 low$10,677.60Forecast
3Details the table you work in
DateDescriptionCategoryAmountBalance
Oct 1Beginning balance$8,400.00
Oct 3Paycheck Income+$3,200.00$11,600.00
Oct 5Mortgage Home-$2,150.00$9,450.00
Oct 9GroceriesGroceries-$186.40$9,263.60
Oct 11Electric billUtilities-$142.00$9,121.60
Oct 15Card paymentCC Payment-$1,480.00$7,641.60
Oct 17PaycheckIncome+$3,200.00$10,841.60
Oct 28Car insuranceTransport-$164.00$10,677.60
Past row: happenedToday: due nowFuture row: forecast Reconciled with the bank

The action bar sits between the cards and the chart, with Settings always at its right end. Focus mode hides layers 1 and 2 and the action bar, so the details fill the screen.

Tab1 · Cards2 · Visualization3 · Details
CashTotal Liquidity, Net Flow, Total Inflow, Total OutflowCash FlowCategory analysis, then the ledger
SpendingFour cards for the month, including Budget AllocatedIncome vs. SpendingBudgets beside the Spending Ledger
DebtCredit Card Debt, Statement Balance, Mortgage Debt, Mortgage Payoff DateDebt breakdown, Mortgage HorizonAccount forecasts and settings
BrokerageTotal Portfolio Value, Total Gain / Loss, Accounts, PositionsPortfolio Movers, Portfolio SizeAllocation table, then accounts and holdings
Net WorthNet Worth, Total Assets, Total Liabilities, Retirement RatioWealth TrajectoryAssets, liabilities and snapshot history
Federal TaxIncome, deductions, estimated tax and tax paidTax breakdownPaycheck ledger and the tax worksheet
ProjectionsFinal Projected Total, Plan Horizon, Assumed Annual Rate, Accounts ProjectedYour Growth HorizonEach account, year by year

Overview and Dashboard are the exception: they are made of cards and charts from the other tabs, with no details layer of their own.

Timeline and process flow

The life of a transaction

A transaction starts as a forecast in Cash and ends as one confirmed row that Cash and Spending agree on. The Bank Inbox is the step that joins the two.

On a timeline · one electric bill

1You add the forecastOct 1
2The charge clears your bankOct 17
3Sync brings it into the Bank InboxOct 18
4You match it to the forecastOct 19
5You reconcile itToday
Checking accountCharge posts · $147.12In the Bank Inbox🔗 Linked to your Cash row
CashForecast row · -$142.00 · already in your balanceLinked · -$147.12Reconciled ✓
SpendingProjected · $142.00 · already in the month totalConfirmed spending · $147.12
Forecast: your estimateRecordedConfirmedSample figures. Dates count back from today.

As a process · every path it can take

Checking accountyour bank, linkedCashyour plan and your balanceSpendingwhat the month countsCredit cardsyour cards, linked 12345Forecast rowA future bill or paycheckyou add. Light blue. It movesthe running balance.Projected rowThe same row shows in itsmonth as Projected, so thebudget sees it coming.Bank transactionSync or the daily job pullsthe charge in from yourchecking account.Card purchaseSync pulls it in from yourcredit card. It never entersthe Cash ledger.Card transactionCard purchases show hereright away: pending, thenposted.Bank InboxIt waits here for one choice:Match, Add as newor Dismiss.Linked rowMatch updates your forecastrow with the bank's values.Add as new creates the row.DismissedLeft out of Cash and Spendinguntil you restore it.ReconciledYou tick it once it agreeswith the bank. Unlink islocked for this row.Confirmed spendingThe Projected row becomesthe confirmed bank payment,at the real amount.Card paymentPaid from checking, so it isa Cash row. Excluded fromspending totals. the date arrivesonce linkedDismiss

Read it top to bottom. Activity from your checking account reaches Cash through the Bank Inbox, where you match it to the forecast row it belongs to. Credit card purchases go straight to Spending. Changed your mind after step 4? Unlink sends the bank item back to the inbox and restores the forecast row, as long as the row is not reconciled.

Card purchases take a shorter pathThey never enter Cash. They go straight to Spending as pending, then posted. Cash only sees the payment to the card, and that category is excluded from spending totals.
Manual Spending rows stay in SpendingRows you type, paste as CSV or import from a statement never touch the Cash balance.
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