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.
No bank connection required.
Part of the MyMotiveLife suite — DayO, LifeVue, KINZO, UPLIFT, Kashu, Vitalu, 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
Cash-Flow Calendar
Safe to Spend
$727
Balance − reserved − safety floor
Fri 2 · Payday+$3.7k
Fri 16 · Payday+$3.7k
Fri 30 · Bonus+$7.7k
Kashu
October — last pay is the bonus
Product video
Kashu in under a minute
Safe to Spend, timing, and statement upload — no bank connection required.
More suite videos: /videos
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.
- Set the pay plan on Buffers (frequency, typical paycheck, next payday).
- Name the bills you already know.
- Upload a statement. Kashu matches those lines to your plan instead of duplicating them.
Setup walkthrough: pay plan, then statements.
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
Know before you spend.
Upload or enter. Kashu learns timing, obligations, and your spend envelope — Payday Mode, Can I Afford, Ask Kashu, and Life OS hooks from KINZO, DayO, and UPLIFT. No bank connection required. Kashu works with manual entry and statement uploads. Optional connected banking is being developed as a premium experience.
Statement upload
Declare your pay plan and bills first. Then upload PDF, CSV, or paste. Kashu matches those lines to what you already named — it should not create a second mortgage. You confirm leftover suggestions.
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.
Can I Afford It
A yes / stretch / no verdict before the purchase — grounded in your envelope, not a vibe. Same money model as What-If.
Payday Mode
Payday is an event. Update the balance and Kashu recalculates Safe to Spend so you don’t spend the whole deposit on day one.
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
Conversational cash-flow intelligence from your model — teach it a bill, a balance, or a payday. VYRA is Chief of Staff; Kashu owns the money.
Predicted vs actual
Each balance update, transaction, and statement teaches Kashu. Confidence rises as the model’s completeness and accuracy improve.
Life OS — other products consult Kashu
KINZO extra kilometres → fuel burn. DayO travel and pre-payday events → reserved spend. UPLIFT goal cost → Can I Afford. LifeVue shows Financial Future. VYRA asks Kashu instead of guessing.
Open Kashu and answer these in seconds.
- What can I safely spend today?
- Can I afford this before payday?
- 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 connection required
No bank connection required. Kashu works with manual entry and statement uploads. Optional connected banking is being developed as a premium experience.
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, Vitalu, and VYRA. Included with MyMotiveLife Pro.
Comparing budget apps? YNAB alternatives — see how Kashu compares