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.
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 Left to Assign.
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.
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 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 Left to Assign 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.
What makes CashPad different
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. 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. It's there when you come back.
Rebalance, don't restart
When something changes mid-period, adjust the plan. You don't start over, and you don't wait for next payday. 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.
Works in your currency
Choose from 19 currencies in Settings. Amounts and dates format to your locale automatically — no conversion, just the numbers in the format you expect.
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 (quarterly, semi-annual, annual) auto-reset when the deadline passes. The Goals page keeps everything sorted by urgency so nothing sneaks up on you.
Estimated taxes for self-employed and freelance income
Set a withholding rate once per tax authority (federal, state, local). Enter a 1099 payment when it arrives and CashPad computes the reserve — with IRS quarterly deadlines shown so you always know how much runway you have.
Manual entry keeps your data off any server
CashPad doesn't connect to your bank. You enter your numbers yourself — balances, upcoming bills, expected paychecks. It takes a few minutes and means your financial data stays entirely on your device.
Who CashPad is for
- — Get paid weekly or bi-weekly 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 they'll have enough to cover everything before the next paycheck
- — Prefer owning their tools outright — no subscription, no ongoing cost, no account to manage
CashPad is probably not for you if:
- — You need automatic bank sync
- — You want investment tracking or net worth calculations
- — You need real-time sync across multiple devices
No bait-and-switch. If those features matter to you, another tool will serve you better.
$27, one time.
This is an introductory price. Price increases at launch. If you're on the fence, now is the time.
No subscription. No renewal. Updates are free forever — every new version lands automatically on your next page load.
Get CashPad — $27 →FAQ
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 get a URL. Open it, and you're in. Nothing to sign up for.
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, so you're covered without thinking about it. 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, open Backup / Recovery and use Restore from File to pull in the most recent version. This is a deliberate restore, not automatic sync — you decide when to pull.
Does it work on mobile?
CashPad runs in any modern mobile browser and can be installed to your home screen. The app and your data work fine on Android and iOS. 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. If backup automation matters to you, use CashPad on a desktop browser as your primary device.
Can I use it like a desktop app instead of a browser tab?
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 without the address bar or browser tabs. On Windows, it installs to the Start menu and can be pinned to the taskbar. On macOS, it installs to your Applications folder and Dock. On macOS with 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.
Can I see it before I buy?
Yes. Screenshots and a product demo video are available on this page. CashPad is a simple, focused tool — what you see is what you get.
One number. Every dollar accounted for. No subscription.
The week before payday doesn't have to feel like dread. CashPad gives you a clear answer — and once you have it, you can stop wondering.
Get CashPad — $27 while it lasts →