The household finance app — free to get started

Because money is neverjust about one person.

CASHO gives couples, families, freelancers and housemates a shared view of their finances — income, expenses, budgets and subscriptions, all in one place.

No credit card required · Full features free during beta · Cancel anytime

CASHO — Smith HouseholdMarch 2026
Household Income
$10,100
+4.2% vs last month
Total Expenses
$6,240
↓ $80 vs last month
Saved This Month
$3,860
38% savings rate
Subscriptions
$124/mo
8 active services

6-Month Income vs Expenses

Spending by Category

Savings Trend

Recent Transactions

Salary — Acme Corp

Today

+$5,200

Woolworths

Today

-$127

Netflix

Yesterday

-$22

Freelance — Client A

Mon

+$1,400

Physio

Mon

-$95

Active Subscriptions

Netflix

Next: Apr 3

$22

Spotify

Next: Apr 5

$13

iCloud

Next: Apr 8

$4

Gym

Next: Apr 1

$85
No Credit Card Required
5-Minute Setup
Works on Any Device
Your Data Stays Private
GDPR Compliant
Free During Beta
$47/mo
Found in forgotten subscriptions
Discovered by households in their first week
5 min
Average household setup time
Invite your partner, family, or housemates
100%
Free during beta
No credit card, no catch — just Casho
1 app
For your whole household
Couples, families, freelancers & housemates
How It Works

Up and running in under 5 minutes

No bank connection. No complex onboarding. Just create your household and start tracking together.

1
Takes 2 minutes

Create Your Household

Sign up free in seconds, then invite your partner, family members, or housemates. Set role-based access so everyone sees exactly what they should — no more, no less.

2
One shared view

Track Money Together

Log income from up to 9 sources, add expenses across 13 categories, set shared budgets, and flag recurring subscriptions — all in one living, shared dashboard.

3
Real-time insights

See the Full Picture

Live analytics, Sankey flow diagrams, and smart insights update every time a transaction is added. Spot the subscription you forgot. Know exactly where your money actually goes.

Start for free — no card needed

Free during beta · Cancel anytime · Your data stays yours

Everything you need

One app for your wholehousehold's finances

CASHO isn't just another expense tracker. It's a complete household finance platform — built for how real families, couples and housemates actually manage money together.

Household System

Create shared households for couples, families or housemates. Role-based access — Primary, Secondary, Member — so everyone sees the same picture.

Income Management

Track 9 income types: salary, freelance, rental, investment and more. Frequency-based projections calculate your real monthly total automatically.

Expense Tracking

13 built-in categories, receipt uploads, merchant tracking and recurring vs. one-time transaction support — every dollar accounted for.

Budget Management

Set category budgets, break them into sub-items, and watch live progress bars turn green, yellow or red as you spend throughout the month.

Subscription Manager

All your recurring charges in one dedicated view — monthly and yearly totals, next due dates, and the ability to pause or cancel subscriptions.

Merchant Insights

See exactly who you're paying the most. Merchant-level spend ranking and frequency patterns reveal where to cut back.

Analytics Dashboard

6-month income vs. expense trends, category breakdowns, Sankey money-flow diagrams and automated insights — all on one screen.

Receipt Uploads

Attach receipt images (JPG/PNG/WebP up to 5MB) directly to transactions. Users who upload receipts retain 2–3× longer.

API-First Platform

50+ REST endpoints, OpenAPI 3.0 documentation, and JWT-secured authentication for integrations, white-labelling or your own mobile app.

Analytics & Insights

See the full picture — income, spending, savings rate

The CASHO analytics dashboard shows your key financial metrics, 6-month trend charts, category breakdowns and an automated money-flow diagram — all recalculated every time you add a transaction.

  • Monthly income vs. expenses with trend arrows
  • Savings rate calculated automatically
  • Category breakdown (pie/doughnut chart)
  • Income sources → categories → savings (Sankey diagram)
  • Automated financial insights and observations
Analytics DashboardLast 6 months

Income

$10,100

Expenses

$6,240

Savings Rate

38%

Income vs Expenses — 6 Months

Category Breakdown

Housing
$2200
Groceries
$920
Transport
$590
Dining
$385
Subscriptions
$214

Automated Insights

Your savings rate is 38% — above the 20% benchmark 🎉
⚠️Dining spend up 18% vs last month — $68 over budget
⚠️3 subscriptions inactive for 60+ days — review recommended
Budget · March 202618 days left

Total Budget

$2,750

Spent

$2,368

Remaining

$382

86% used$$382 left
GroceriesNearly there
$812 / $1000
Dining OutNearly there
$368 / $400
TransportNearly there
$590 / $600
EntertainmentOn track
$82 / $250
ClothingOver budget
$341 / $300
Health & FitnessNearly there
$175 / $200
Budget Control

Set it, watch it, stay on track

Create budgets for any time period. Allocate amounts to specific categories and let CASHO's real-time progress bars show you exactly how close you are — green, yellow or red — before you overspend.

  • Monthly, quarterly or custom date ranges
  • Category-specific sub-items for detailed planning
  • Live progress: green (on track), yellow (warning), red (over)
  • Multiple active budgets simultaneously
  • Budget vs. actual variance analysis
Why CASHO

Designed for the wayhouseholds actually work

Most finance apps were built for one person. CASHO was built for the reality that money is shared — and managing it should be too.

Built for Households

The only budgeting app designed around shared finances. One household can have multiple members, each with the right level of access.

Total Visibility

Everyone in the household sees the same data in real time — income, expenses, budgets and subscriptions, all calculated automatically.

Private & Secure

JWT authentication, CSRF protection and GDPR-compliant data handling. Export or delete your data whenever you want.

Works Everywhere

Fully responsive from 320px mobile to wide desktop — no app store download needed. It looks and works great on any device.

The CASHO positioning statement

"CASHO is the household finance app — because money is never just about one person."
9
Income types supported
13
Expense categories built-in
50+
REST API endpoints
How we compare

Built for households.Nothing else comes close.

Most finance apps are designed for individuals. CASHO is the only one built around how households actually manage money — together.

Feature
CASHO
Mint
YNAB
Splitwise
Household-first (shared access)
Role-based access (Primary/Member)
Multi-source income tracking
Income frequency projections
Subscription manager (dedicated)
Budget variance with colour coding
Receipt image uploads
Full REST API access
Data export & GDPR compliance
No app store required (web-based)
Free tier with full features
✓ = Full support  |  − = Partial support  |  ✗ = Not available  |  Data based on publicly available feature lists, March 2026
Pricing

Start free. Upgradewhen you're ready.

During beta, everything is free. No limits. No trial periods. Just CASHO, working for your household from day one.

Current Offer

Free

Beta — full access
$0/forever during beta

Every feature, zero cost. No credit card, no catch. Our way of saying thanks for joining early.

Everything included
  • 1 household (unlimited members)
  • Unlimited income & expenses
  • All 9 income types
  • 13 expense categories + custom
  • Budget tracking with progress bars
  • Subscription manager
  • Analytics dashboard
  • Receipt image uploads
  • Merchant insights
  • Data export
Get Started Free

Premium

Coming soon
$7/per household / month

For power users and families who want multiple households and advanced analytics.

For power users
  • Everything in Free
  • Multiple households
  • Advanced analytics & trend history
  • PDF/CSV report export
  • Priority email support
  • Budget alerts via email
  • Financial goal tracking
  • Advanced filtering & search
Join Waitlist

Enterprise

B2B & API licensing
Custom

contact us

White-label the platform, integrate via API, or offer CASHO as a financial wellness benefit.

For B2B partners
  • Everything in Premium
  • Full REST API access (50+ endpoints)
  • OpenAPI 3.0 schema
  • White-label licensing
  • SLA & dedicated support
  • Custom integrations
  • Employer wellness programme
  • Volume pricing
Talk to Us

All plans include GDPR-compliant data handling, JWT security and full data portability.

Compare all plans →
Real households

Loved by couples, families,freelancers and housemates

CASHO is built around the real financial situations people actually face — not just polished solo budgeters.

"We used to argue about money constantly. Now we both see exactly where everything goes in real time. CASHO has genuinely changed how we talk about finances."

Priya & James
Couple, Sydney
For Couples

"I earn from five different sources and the income forecasting is a lifesaver. Finally a budgeting app that understands irregular income — not just salary."

Tom Hargreaves
Freelance Developer, Melbourne
For Freelancers

"My husband and I use it daily. The kids can see the family budget progress without being able to change anything. Exactly the transparency we needed."

The Burton Family
Family of 4, Brisbane
For Families

"No more chasing people about bills through WhatsApp. We added all four of us to one household and now everyone can see who's paid for what. Game changer."

Shared House — Auckland
4 housemates
For Housemates

"The subscription tracker alone saved me $80/month in forgotten charges. I had no idea how much was quietly leaving my account each month."

Sarah Chen
Side-hustler & full-time employee
For Freelancers

"We set a mortgage + savings budget and CASHO watches it without us having to do anything. The colour-coded progress bars make it so visual and easy."

Marcus & Lia Ferreira
First home owners, Perth
For Couples
FAQ

Frequently askedquestions

Everything you need to know about CASHO. Can't find your answer? Email us.

Still have questions?

Our team is happy to help — usually within one business day.

Contact Us

Stay in the loop

Get early access to new features, personal finance tips and CASHO updates — straight to your inbox.

Join thousands of households managing their money smarter.

No spam. Unsubscribe anytime. We respect your privacy.

Free during beta — no credit card, no catch

Ready to see your household finances clearly?

Join CASHO today. Set up your household in minutes, invite your partner or housemates, and finally get everyone on the same financial page.

Full features free
No credit card required
GDPR compliant
Delete your data anytime