Your money, finally clear.

Your safe-to-spend number is how much you can actually spend today without risking bills, savings goals, or committed expenses. It's different from your bank balance — CashWise subtracts upcoming bills and transfers, leaving you with a number you can genuinely spend without consequences.

CashWise connects through Plaid — the same secure technology behind Venmo and Robinhood. Search for your bank, log in, and your accounts sync in about 60 seconds. CashWise never sees or stores your banking credentials.

Yes. Checking, savings, and credit cards across different banks — CashWise consolidates them all into one unified view so your safe-to-spend number reflects your complete picture.

You can budget by hand and save toward one goal for free. CashWise Pro ($9.99/month or $78/year) tracks everything automatically from your bank, adds AI coaching, lets you create and run GroupVaults, and unlocks unlimited savings goals.

CashWise's AI analyzes your actual spending patterns and surfaces specific, actionable observations — a subscription you forgot about, a category trending up week-over-week, unusual spending spikes. Useful specifics, not generic advice.

No. CashWise has strictly read-only access via Plaid. We can see your transaction history and balances, but we cannot initiate transfers, make payments, or take any action on your accounts whatsoever.

Most budgeting apps are backward-looking — they tell you what you already spent. CashWise is forward-looking: the safe-to-spend number tells you what you can spend right now. CashWise also handles group expenses through GroupVault, so you don't need a separate Splitwise account.