Features built for how
households manage money
CASHO isn't just another expense tracker. It's a complete household finance platform with 9 features designed to work together — income, expenses, budgets, subscriptions, analytics and more.
Your Financial Team — set up in minutes
CASHO organises finances around households, not just individuals. One household can be a couple, a family, roommates, or any group sharing money. Create multiple households (personal family, investment property) and invite members with role-based access.
- Three roles: Primary (admin), Secondary (manager), Member (viewer)
- All financial data isolated per household — no cross-household mixing
- Shared expense tracking toggle — turn on when splitting costs
- Create multiple households for different financial situations
6-Month Income vs Expenses
Spending by Category
Savings Trend
Recent Transactions
Salary — Acme Corp
Today
Woolworths
Today
Netflix
Yesterday
Freelance — Client A
Mon
Physio
Mon
Active Subscriptions
Netflix
Next: Apr 3
Spotify
Next: Apr 5
iCloud
Next: Apr 8
Gym
Next: Apr 1
Nine income types. All your money, in one view.
Track salary, freelance, business, investment, rental, pension, government benefits and gifts. Set frequency (daily to yearly) and CASHO projects your real monthly income automatically — even across irregular earnings.
- 9 income types with full label control
- Frequency-based monthly projection (weekly/monthly/quarterly etc.)
- Expected vs. actual income tracking
- Status tracking: pending, received, delayed, cancelled
- Income growth rate calculations over time
Monthly Income
$10,230
projected this month
Annual Projected
$123k
across all streams
Monthly by Source
Salary
Employment · Monthly
$5,800
Freelance
Freelance · Variable
$2,100
Rental Income
Rental · Monthly
$1,200
Investments
Investment · Quarterly
$480
Side Project
Business · Monthly
$650
Every dollar, categorised automatically
13 built-in expense categories cover everything from Housing to Healthcare to Entertainment. Add merchant names, payment methods, notes, tags and receipt photos. Support for recurring, one-time and variable expenses.
- 13 built-in categories + custom household categories
- Receipt image uploads (JPG/PNG/WebP, up to 5MB)
- Merchant name capture and tracking
- Recurring vs. one-time vs. variable expense types
- Smart deletion: one / future / entire series for recurring expenses
Total Expenses
$5,240
Transactions
47
+3 more categories
Set it. Watch the bar. Stay on track.
Create budgets for any time period and allocate amounts to specific categories. CASHO's real-time progress bars turn green, yellow or red as you approach your limit — so you always know where you stand.
- Monthly, quarterly, yearly or custom date ranges
- Break budgets into detailed sub-items
- Live progress bars: green (on track) → yellow (warning) → red (over)
- Multiple active budgets at the same time
- Budget vs. actual variance analysis
Total Budget
$2,750
Spent
$2,368
Remaining
$382
Stop the leaks. See every recurring charge.
CASHO automatically identifies recurring expenses and surfaces them in a dedicated Subscriptions view. Monthly and yearly totals, next due dates, and the ability to pause or cancel — all in one place.
- Automatic identification of recurring expenses
- Monthly and yearly total subscription cost
- Active count and average cost per subscription
- Filter by status, frequency or category
- Pause, resume or cancel from the interface
Monthly Total
$168.96
Annual Cost
$2028
Avg per Sub
$28.16
Netflix
Entertainment · Due Apr 3
$22.99
/mo
Spotify
Entertainment · Due Apr 7
$11.99
/mo
Adobe CC
Software · Due Apr 10
$59.99
/mo
iCloud+
Storage · Due Apr 12
$4.99
/mo
Gym
Health · Due Apr 15
$49.00
/mo
Canva Pro
Software · Due Apr 20
$16.99
/mo
ChatGPT Plus
AI Tools · Due Apr 22
$20.00
/mo
You're spending $2028/year on subscriptions — $169/month on autopilot.
See the full picture in one screen
The CASHO analytics dashboard shows income, expenses, net worth and savings rate — all calculated automatically with trend arrows. 6-month charts, category breakdowns, Sankey money-flow diagrams and automated insights round out the picture.
- Key metrics: income, expenses, net worth, savings rate
- 6-month income vs. expense trend chart
- Category breakdown (pie/doughnut chart)
- Sankey money-flow diagram: income → categories → savings
- Automated observations ('Entertainment up 23% this month')
- Browse any historical month's data
Income
$10,100
Expenses
$6,240
Savings Rate
38%
Income vs Expenses — 6 Months
Category Breakdown
Automated Insights
Know who you're paying the most
Merchant names are captured from every expense transaction and analysed automatically. See your top merchants by total spend, track frequency patterns, and make smarter shopping decisions.
- Automatic merchant name extraction
- Top merchants ranked by total spend
- Spending frequency patterns by merchant
- Trend analysis over time
Top Merchant
Woolworths
$1124 this month
Tracked Spend
$3,323
across 6 merchants
Total Spend by Merchant
Built for developers and integrations
CASHO is API-first. Every feature accessible through 50+ REST endpoints, with interactive Swagger UI and ReDoc documentation. JWT authentication, OpenAPI 3.0 schema and full filtering/pagination support.
- 50+ REST API endpoints covering every feature
- Interactive Swagger UI + ReDoc documentation
- OpenAPI 3.0 schema for automated SDK generation
- JWT-secured with cookie-based authentication
- Filtering, pagination, sorting and search on all endpoints
https://api.casho.com.au
{
"id": "abc123",
"name": "Smith Household",
"currency": "AUD",
"members": 2,
"monthly_income": 9800,
"monthly_expenses": 6240,
"savings_rate": 36.3,
"net_worth": 142500
}Security & Privacy by design
CASHO uses JWT authentication with CSRF protection, rate limiting and input validation. 180+ automated tests with 100% pass rate. GDPR-compliant with full data export and permanent deletion on request.
Ready to try all of this for free?
Every feature. No limits. No credit card. Just CASHO working for your household from day one.
Get Started Free