Kashu setup manual: pay plan, bills, then statements

Kashu owns money. KINZO, DayO, and UPLIFT do not.

The order that works

1. Buffers — today’s balance, pay frequency (weekly / biweekly / monthly), typical take-home, next payday, safety floor. 2. Bonus vs regular — on a 3-pay month (typical biweekly October), say whether the last paycheck is a bonus. Otherwise Kashu treats three Fridays as three normal pays and later months go wrong. 3. Bills — type the bills you already know: mortgage, insurance, utilities, family transfers. Due day and amount are enough. 4. Upload a statement (PDF, CSV, or paste). Kashu matches those lines to the plan you typed. It should not create a second “RBC Mortgage” if you already named it. 5. Confirm leftover suggestions. Then use Calendar and Timing. Timing recommends a due day (for example mortgage 3 → 19, the day after a Friday payday). It does not change PAD for you.

What matching means

You teach Kashu the plan. The statement is evidence. Amounts within a small band and a similar merchant name attach to the bill you declared. Coffee and one-offs stay unmatched and do not become bills.

No bank connect

Kashu never asks for a bank login.

Next

• In the app: Kashu · Help: How to set up
• Product story: /cash-flow