Stop waiting for the month to reset.
Budget around your paycheck instead.
Most budgeting apps run on a fixed calendar month. Your bills don't. CashPad uses a rolling budget period tied to your pay cycle — so your plan always reflects the money you actually have, right now.
One-time purchase. No account. No subscription. Works offline.
Get CashPad — $27 introductory price →You know that feeling the week before payday.
You check your balance. You add up the bills still coming. You try to remember if you forgot anything. And even when the numbers seem okay, you're not sure — because you've been surprised before.
That low-grade anxiety doesn't go away until the check hits. Sometimes it doesn't go away even then.
You've probably tried budgeting before. An app. A spreadsheet. Mental math. At some point — mid-month, staring at a red number you can't do anything about — you gave up.
It wasn't a discipline problem. It was a model problem.
Calendar-month budgeting assumes your income and your bills line up neatly with the 1st and the 31st. For most people, they don't. Rent is due on the 1st. Paycheck hits every two weeks. Car insurance comes out on the 22nd. The math never quite lines up — and neither does the sense of control.
CashPad plans from today to payday — not from the 1st to the 31st.
Each budget period runs from today through the end of your current pay cycle. You enter what's in your accounts and what's coming in — that's your Funds Available, what you actually have to work with.
Assign those funds across three buckets:
- Bills — fixed obligations due this period (rent, utilities, subscriptions)
- Expenses — variable spending you plan to make (groceries, gas, dining)
- Savings — amounts you want to set aside
The difference between what you have and what you've planned is Left to Assign. Get it to zero and every dollar has a job. You know exactly where you stand.
Left to Assign is the only number that matters.
Not your checking balance. Not your credit card statement. Not a pie chart of last month's spending.
Left to Assign tells you one thing: does your plan add up?
When it's at zero — it does. You can stop second-guessing. You've accounted for everything.
When it goes negative — something has to change. The fix is right there: trim an Expense, reduce a Savings allocation, or acknowledge that this period is tight. No helpless staring at a red number. Bring it back to zero and you're done.
Most people find that having the honest answer — even when it's tight — is less stressful than not knowing.
Most people finish their first budget in under 15 minutes.
No syncing, no categories to configure, no learning curve.
- 1
Enter your cash.
Add your current account balances and any paychecks you expect before your budget period ends. CashPad adds them up into your Funds Available.
- 2
Assign the funds.
Add your bills, planned expenses, and savings goals for the period. Watch Left to Assign count down toward zero.
- 3
Stay on track.
When something changes, rebalance. Adjust an Expense, move a Savings amount, add a bill you forgot. Get Left to Assign back to zero.
What makes CashPad different
Paycheck-period budgeting
Your budget period ends when your pay cycle ends — not on the 31st. You're always working with money you actually have.
No account. No subscription.
CashPad runs entirely in your browser. Your data lives on your device. Pay once, use it forever.
Works offline.
After the first load, CashPad works with no internet connection. Open a tab, plan your budget, close the tab.
Rebalance, don't restart.
When something changes mid-period, adjust the plan. Mark a bill as deferred — it leaves without being deleted, and comes back when you're ready.
18 currencies.
Amounts and dates format to your locale automatically — no conversion, just the numbers in the format you expect.
Manual entry by design.
CashPad doesn't connect to your bank. You enter your numbers yourself. The plan is yours because you built it.
Who CashPad is for
- — Get paid weekly or biweekly and feel the cash timing stress that comes with it
- — Have tried YNAB, Mint, or a spreadsheet and found them too fussy, too expensive, or too abstract
- — Lie awake wondering if you'll have enough to cover everything before the next paycheck
- — Prefer owning your tools outright — no subscription, no ongoing cost, no account to manage
CashPad is not for you if:
- — You need automatic bank sync
- — You want investment tracking or net worth calculations
- — You need real-time live sync across multiple devices
$27, one time.
This is an introductory price. It will go up.
No subscription. No renewal. Updates are free forever.
Get CashPad — $27 →FAQ
Does it connect to my bank?
No. You enter your balances manually. That's intentional — it keeps your data on your device and off any server.
Do I need to create an account?
No. You get a URL. Open it and you're in.
What happens if I clear my browser data?
Your data could be lost. Export a backup regularly — the Backup button is in the header. Import it on any device to restore.
Can I use CashPad on more than one device?
Yes, with a backup folder. Configure a folder on a cloud-synced drive (iCloud Drive, Dropbox, Google Drive) in Settings. CashPad writes a backup there every time you save. On your other device, tap "Restore from Latest Backup" in Settings — it finds the most recent file and restores in one step.
Does it work on mobile?
Yes. CashPad is a Progressive Web App — it works in any modern mobile browser and can be installed to your home screen. There's no native iOS or Android app.
What if I get paid on an irregular schedule?
CashPad supports weekly, biweekly, semimonthly, and monthly pay cycles. You can also set your budget period end date manually.
What browsers are supported?
Safari 16.4+, Chrome 109+, Firefox 111+. Most devices running a browser updated in the last two years will work.
One number. Every dollar accounted for. No subscription.
The week before payday doesn't have to feel like that. CashPad gives you a clear answer — and once you have it, you can stop wondering.
Get CashPad — $27 while it lasts →