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.
No account. No subscription. Works offline. Start free.
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.
You don't need more motivation. You need a clear picture of where you actually stand.
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 your cash account balances and your next paycheck. That's your Funds Available — what you actually have to work with.
From there, you 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 Unassigned Cash.
Get it to zero and you're done. Every dollar has a job — and you know exactly where you stand. That clarity is what makes the anxiety go away.
Unassigned Cash is the only number that matters.
Not your checking balance. Not your credit card statement. Not a pie chart of last month's spending.
Unassigned Cash tells you exactly one thing: does your plan add up?
When it's at zero — it does. You can stop second-guessing. You've accounted for everything, and you know you're okay.
When it goes negative, something has to change. The fix is right there: trim an Expense, reduce a Savings allocation, or — as a last resort when the period is genuinely tight — defer paying a bill until you have more money to cover it. No helpless staring at a red number. Just bring it back to zero and you're done.
Most people find that just knowing — even when it's tight — is less stressful than the uncertainty.
Most people finish their first budget in under 15 minutes.
No syncing, no categories to configure, no learning curve.
Start by entering your account balances and paycheck details — source, amount, and next pay date. CashPad uses the paycheck schedule to set your budget period end, then adds everything up into Funds Available: the total you're working with.
From there, add your bills, expenses, and savings allocations for the period. Get Unassigned Cash to zero. When something changes mid-period, rebalance: adjust an Expense, move a Savings amount, add a bill you forgot. Get back to zero and you're done.
CashPad Free
Everything you need to stay on top of your cash flow
Fully functional. No time limit. No credit card.
Your budget runs on your pay cycle, not the calendar
The period ends when your paycheck does — not on the 31st. That means you're always looking at money you actually have, not money you're hoping to earn before the month closes.
No account. No subscription. No servers.
CashPad runs entirely in your browser. Your data is stored on your device and nowhere else. No one can see your numbers. No login screen. No monthly fee.
Works offline
After the first load, CashPad works with no internet connection. Open a tab, plan your budget, close the tab. It's there when you come back.
Rebalance, don't restart
When something changes mid-period, adjust the plan. If a bill can't be covered this period, mark it deferred: it leaves your Planned Spending without being deleted, and comes back when you're ready to pay it.
Savings goals that do the math for you
Set a target amount and due date on any savings fund. CashPad calculates what to set aside this period to hit the deadline. Recurring goals auto-reset when the deadline passes.
Estimated taxes for self-employed income
Set a withholding rate per tax authority. Enter a 1099 payment and CashPad computes the reserve — with IRS quarterly deadlines shown so you always know how much runway you have.
Works in your currency
Choose from 19 currencies in Settings. Amounts and dates format to your locale automatically.
Multi-device via backup
Use a synced cloud folder (iCloud Drive, Dropbox, Google Drive) as your backup target. CashPad writes a backup every time you save, and you restore it on any other device whenever you choose.
Day-to-day budgeting is only step one.
If you budget paycheck-to-paycheck using CashPad Free, you already know your short-term cash flow cold. Unassigned Cash gives you total clarity on whether you're safe until your next payday.
But short-term survival is only step one. Day-to-day budgeting alone can't answer the bigger questions:
- How many months until my credit cards and mortgage are completely paid off?
- How much total interest will I save if I add $100 extra to my debt each month?
- If I take a new job or buy a car, how will it impact my net worth next year?
- Am I actually building wealth, or just floating from paycheck to paycheck?
CashPad gives you answers to the long-term view — without forcing you to learn a new tool or change how you manage your daily spending.
CashPad — $49 One-Time
See the bigger picture. Build real wealth.
Everything in CashPad Free — plus debt payoff, net worth tracking, and financial modeling.
💳 Interactive Debt Payoff Planner
- Snowball vs. Avalanche: Enter your credit cards, personal loans, and mortgages, then compare interest-saving strategies side by side.
- Exact Savings Math: Instantly calculate your exact debt-free date, total remaining months, and total interest saved.
- Custom Payoff Order: Drag and drop debts into your preferred sequence to build a plan around your personal priorities.
- Lump Sum & Extra Payments: Test one-time payments or recurring monthly additions to watch your debt timeline shrink instantly.
- Printable Payment Schedules: Export a month-by-month payoff schedule showing precisely what to pay, where, and when.
📊 Asset & Liability Tracking
- Complete Financial Picture: Track both sides of your balance sheet — what you own (investment accounts, real estate, cash) and what you owe.
- Mortgage Escrow Isolation: Separate escrow from principal and interest so your debt payoff math stays 100% accurate.
📈 Historical Net Worth & Milestone Goals
- Visual Trendline: Watch your net worth line grow over time with automatic history charts.
- Milestone Tracking: Set target goals with target dates and visual countdown indicators.
🔮 "What-If" Scenario Modeling
- Risk-Free Sandbox: Test income changes, prospective bills, or expense adjustments without modifying your live budget data.
- Side-by-Side Comparison: Evaluate Current vs. Scenario vs. Net Change across income, expenses, cash surplus, and net worth. Save and reload custom scenarios.
🛡️ Unplanned Expense Calculator
- When unexpected expenses hit, instantly evaluate 4 side-by-side recovery paths: draw from savings goals, use Unassigned Cash, put it on a credit card, or defer a bill. Honest numbers and real interest costs — so you stay in control.
📄 One-Page Financial Summary
- Generate a printable PDF snapshot of your net worth, total assets, and total liabilities — perfect for personal records or handing to a financial planner or CPA.
Nothing about your day-to-day budget changes.
Every feature from CashPad Free is included, unchanged. This isn't a complex, separate application you have to migrate into — it simply unlocks advanced workspace pages in the app you already know.
Upgrading preserves your existing workflow and keeps your daily budgeting routine completely intact. Zero migration stress.
Simple pricing. No subscriptions.
CashPad Free
$0
Forever free. No credit card.
- ✓ Paycheck-cycle budgeting
- ✓ Bills, Expenses & Savings
- ✓ Unassigned Cash
- ✓ Savings goals with deadlines
- ✓ Self-employment tax reserves
- ✓ Deferred bills
- ✓ Multi-currency
- ✓ Offline backups
CashPad
$49
One-time purchase. Lifetime access.
- ✓ Everything in Free
- ✓ Debt Payoff Planner
- ✓ Asset & Liability Tracking
- ✓ Net Worth History & Milestones
- ✓ "What-If" Scenario Modeling
- ✓ Unplanned Expense Calculator
- ✓ One-Page Financial Summary PDF
- ✓ Free automatic updates forever
FAQ
What's the difference between CashPad Free and CashPad?
CashPad Free contains the core paycheck-driven budgeting tools: Bills, Expenses, Savings, and Unassigned Cash. CashPad contains everything in Free, plus the Debt Payoff Planner, Asset & Liability Tracking, Net Worth History, "What-If" Scenario Modeling, Unplanned Expense Calculator, and One-Page Summary Reports.
Will I lose my CashPad Free data if I upgrade?
No. Upgrading does not overwrite or erase your data. CashPad opens as an enhanced workspace, allowing you to seamlessly continue using your existing figures without starting over.
Does it connect to my bank?
No. CashPad doesn't connect to any external accounts. You enter your balances manually. This keeps your data entirely on your device and off any server.
Do I need to create an account?
No. You receive a private link. Open it in your browser and you're in — nothing to sign up for, no password to remember.
What happens if I clear my browser data?
Your data could be lost. The safest approach is to configure Automatic Backup in the Backup / Recovery section — it writes a backup to a folder of your choice every time you save. You can also export a manual backup anytime and import it on any device to restore.
Can I use CashPad on more than one device?
Yes, with a backup folder. Set up a folder on a cloud-synced drive (iCloud Drive, Dropbox, Google Drive) in Backup / Recovery. CashPad writes a backup there every time you save. On your other device, use Restore from File to pull in the most recent version.
Does it work on mobile?
CashPad runs in any modern mobile browser and can be installed to your home screen. The limitation is backup: automatic backup to a cloud folder requires a desktop browser (Chrome or Edge on a Mac or PC). Manual backup works on Android but is unreliable on iOS/iPadOS.
Can I use it like a desktop app?
Yes. In Chrome or Edge, click the install icon in the address bar to install it as a standalone app — it opens in its own window. On Windows it installs to the Start menu; on macOS to your Applications folder and Dock. On Safari, use File → "Add to Dock."
What browsers are supported?
Safari 16.4+, Chrome 109+, Firefox 111+. Most devices running a browser updated in the last two years will work.
The budget that grows with you.
CashPad Free keeps your daily cash flow balanced. CashPad gives you the roadmap to debt freedom, wealth building, and long-term security.