Personal Budgeting

    Your bank balance
    is a lie.

    It does not know rent is due Tuesday, that a $400 charge hits Friday, or that you moved $200 into savings. CashWise does. The safe-to-spend number is what you can actually use.

    Connect Your Bank FreeSee how it works
    Bank-grade 256-bit encryption · read-only access, always

    Safe to Spend

    $412.50

    After rent, bills & savings goals

    This Month

    Food & Dining$340 / $500
    Transport$120 / $200
    Subscriptions$85 / $100

    Upcoming

    N
    NetflixMay 15$15.99
    R
    RentJun 1$1,200
    S
    SpotifyMay 19$9.99

    12,000+

    banks & credit unions

    60 sec

    setup, start to finish

    100%

    read-only access — always

    $0

    we can ever touch or move

    Same account. Two very different numbers.

    Your bank shows what is sitting there. CashWise shows what is truly yours to spend.

    Your bank appmisleading

    Available balance

    $2,986

    Rent due in 4 days−$1,200
    Airbnb charge Friday−$400
    Savings auto-transfer−$200
    CashWisethe truth

    Safe to spend

    $1,186

    The real number, after every bill and transfer you have not made yet. Spend it without a second thought.

    How it works

    Set up in 60 seconds. Then never guess again.

    01

    Connect your bank

    Search for your bank, log in via Plaid, and your accounts sync in about 60 seconds. 12,000+ institutions.

    02

    See your picture

    Instantly see your safe-to-spend number, spending by category, and upcoming charges — one screen.

    03

    Stay ahead

    Bill alerts, AI-driven insights, and a real-time number that updates with every transaction.

    Everything connected. Everything clear.

    Your real safe-to-spend, not your balance.

    After rent, bills, savings, and committed spending — CashWise shows the one number that matters: what you can actually use today, updated the moment a transaction posts.

    Bank-connected in 60s

    12,000+ institutions via Plaid — the same connection Venmo and Robinhood use.

    Bill alerts before they hit

    Recurring charges flagged days ahead. No more overdraft surprises.

    Auto-categorized

    Every transaction sorted the moment it posts. No tagging required.

    AI insights that are actually specific.

    Not generic tips. CashWise surfaces the subscription you forgot about, the category trending up week-over-week, the spike worth knowing — all behind strictly read-only, 256-bit encrypted access.

    Budgeting questions.

    Everything you need to know before connecting your bank.

    More questions? See all FAQ →

    Start knowing your real number.

    Join the beta, connect your bank, and have your safe-to-spend number in under two minutes. Free forever.

    Get Early Access Free

    No credit card required · iOS & Android

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