Kashu · Cash-Flow Intelligence
Know what is actually safe to spend today.
Your bank balance is not the same thing as spendable money. Protect upcoming obligations and your safety floor first — then see what remains.
Bank Balance − Reserved Obligations − Safety Floor
Calculate your Safe to Spend
This simple calculator follows Kashu’s core formula. It does not connect to a bank and it does not move money.
Your result
Safe to Spend
$412.00
Educational estimate only. Kashu’s full experience can model timing, paydays, bills, statement data, and future cash-flow collisions.
Why a healthy balance can still be misleading
A checking account can look comfortable even when much of the balance already belongs to the mortgage, utilities, insurance, debt payments, or the buffer you refuse to cross. Safe to Spend separates cash you can use from cash that is already spoken for.
Bank Balance
What is physically in the account — entered manually or learned from a statement upload.
Reserved
Money already committed to upcoming obligations through your next payday.
Safety Floor
An optional buffer inside the operating account treated as unavailable.
Calculator vs. full Kashu
This page intentionally uses the simple three-part formula. Kashu itself goes further by modeling timing: paydays, bills, projected lows, statement data, What-If scenarios, and whether spending today creates a collision before the next deposit.
No bank connection required.
Kashu works with manual entry and statement uploads. Optional connected banking is being developed as a premium experience.
This calculator is an educational cash-flow tool, not financial advice. It only knows the numbers you enter and does not verify whether all obligations have been included.