Bank Balance
What is physically in the account — entered manually or learned from a statement upload.
Kashu · Cash-Flow Intelligence
KashuThe bank shows what you have.Kashu shows what is yours to use.
Know what's safe before you spend.
Real-time clarity on your money — what's coming, what's already committed, and exactly what you can safely spend.
Part of the MyMotiveLife suite — DayO, LifeVue, KINZO, UPLIFT, Kashu, and VYRA. Included with MyMotiveLife Pro.
Primary metric
$412
Safe to Spend
You're safe to spend $412 until Friday. All scheduled obligations are covered.
Balance
$2,840
Reserved
$1,928
Safety floor
$500
Bank Balance − Reserved Obligations − Safety Floor = SAFE TO SPEND
Primary metric
Safe to Spend
Bank Balance − Reserved Obligations − Safety Floor
A healthy balance can still hide a collision before payday. Kashu reserves what already belongs to bills and buffers — then shows the number you can actually use.
Reserved
Money already committed to upcoming obligations through your next payday.
Safety Floor
An optional buffer inside the operating account treated as unavailable.
How it works
Three jobs. One Safe to Spend number.
Prevent cash-flow collisions before they happen. Timing-aware forecasting — not another budget spreadsheet.
Protect what matters
Bills, obligations, and a safety floor stay reserved — not spendable.
See the future
Forecast from today through your next paydays so collisions surface early.
Spend with confidence
Safe to Spend is the number you can use without breaking the plan.
Protect
Obligations reserved
See ahead
Payday → 30 days
Spend
Safe envelope only
Inside Kashu
Everything except bank connect.
Upload or enter. Kashu learns timing, obligations, and your spend envelope — then stays honest about what is actually available.
Statement upload — no bank login
PDF, CSV, or paste. Kashu extracts transactions, detects recurrings, and updates balance and payday when found. You confirm before anything becomes a bill.
Cash-Flow Radar
A timeline from today → next payday → 30 days. Green when covered, yellow near your floor, red when a collision is projected.
Bill Timing Optimizer
When income is enough but timing creates a gap, Kashu simulates moving controllable bills and shows the projected low for each option.
What-If simulator
Ask “what if I spend $400 today?” before you spend it — see Safe to Spend and projected low update instantly.
Emergency & safety floor
Emergency reserves stay protected. Your operating safety floor is never counted as Safe to Spend.
Transition Mode
Switching banks? Track payroll and each recurring PAD until the new account is healthy — then close the old one safely.
Ask Kashu
Cash-flow questions answered from your forecast — not generic advice. VYRA remains your broader AI; Kashu owns the money model.
Open Kashu and answer these in seconds.
- What can I safely spend today?
- What bills are already funded?
- What is my lowest projected balance before the next payday?
- Which future payment is creating a problem?
- What should I move, delay, or reserve to fix it?
Privacy & control
Your money model stays yours.
No bank connect required
Upload statements or enter balances yourself. Optional bank aggregation stays out of scope so you keep control.
Your data stays on your login
Income, bills, statements, and transition notes are private to your account — never shared across users.
You confirm before Kashu commits
Detected recurrings wait for your approval. Corrections teach the model more than automated guesses.
MyMotiveLife suite
Know what's safe before you spend.
Part of the MyMotiveLife suite — DayO, LifeVue, KINZO, UPLIFT, Kashu, and VYRA. Included with MyMotiveLife Pro.