Cashflow planning, not tracking

See your money's future, day by day.

Put in what you already know — your income, your bills, the changes you're weighing up — and watch the numbers play out.

No bank linking Data stays on your device Pay once
View the interactive demo
Projected balance · 2 years $13,720
now 3 6 9 12 15 18 21 24 mo $0 debt clear car starts
The plan, as it stands
  • $3,120 in the account today
  • $900 a month left after the bills
  • $6,000 student debt — 18 months left at $350
  • $5,000 repair landing in month eight

Today's truth — and what the line above draws. But plans change…

What it comes to
Lowest point $2,520 at month 8
Debt clear month 18 $6,000 paid, either way
Change vs plan $0 at 24 months
Scenarios — drag to ask “what if I…”

Clearing the debt sooner doesn't change where you land in two years — you owe what you owe. It changes when you're free, and how tight it gets first. The car is the one that moves the finish.

Budget planning that looks forward

A budgeting app records where your money went. This does the arithmetic for the years ahead.

Tracking records what you spent. Planning shows what’s coming. Kevin’s Cash is for the second: enter your figures and it carries them forward, day by day.

What it is
  • A forward forecast, day by day
  • Years ahead, not last month
  • A way to test a decision before you commit
What it isn't
  • A tracker of past transactions
  • A bank-linked feed to reconcile
  • A subscription
A look inside

One plan, seen five ways

The same made-up numbers, drawn five ways. Pick a view, or let it turn.

Sample plan
PlanningMonthlyPlan Summary
CashflowMonthly NetAllocation

A drawn sample with made-up numbers, not a real plan.

Timeline

Every item, laid across time

Enter each item once. Every payday and bill lands on its real date, with the raises, pauses and overlaps you’ve pencilled in, years further ahead than a spreadsheet stays readable.

Salary
Mortgage
Car loan
Nursery
Holiday fund
2026202820302032
Payment schedules

Real dates, not just monthly totals

Bi-weekly pay. The 1st and the 15th. The mortgage on the 21st. Kevin's Cash follows each item on its own schedule, day by day — so the balance you see is the balance you'll have.

Fri, 15 Apr 2026−$412.00
Sun, 15 May 2026−$412.00
Mon, 15 Jun 2026−$412.00
Wed, 15 Dec 2027Final payment−$412.00
One plan, every account

Bring in what you've already committed to

Download the transactions from each account. Kevin’s Cash lists what repeats; you tick what belongs in the plan. Do it for every account and one plan holds all of it. The file is read on your device and never uploaded.

Chequing · transactions.csv9 items
Credit card · activity.qfx6 items
Partner's account · export.ofx4 items
One planAll of it19 items
Scenarios

Test a decision before you live it

A scenario is a change you describe once and switch on or off. The projection redraws with it, with the difference in dollars beside it; switch it off and the original is back, untouched.

Group a life event — a baby, a move, a new job — and switch the lot on together. Or start from an example group: a wedding, a new baby, a house or a car.

What if we have a baby in 2027?
−$14,600over the plan

Nursery, a year of reduced income, and one-off setup costs — grouped, and reversible in a click.

Overpay the mortgage by $200/mo
A head start

Start from a life like yours

A new baby. A layoff. A separation, a move, a career change. Each one changes the numbers.

Each arrives stocked with the things that usually matter there, already named and waiting for your figures. 38 of them, across seven lanes.

Everyday Life7 The month-to-month, as it stands
  • Just Me and the Bills
  • Single Professional
  • Young Professional
  • Dual Income Family
  • Two Incomes, No Kids
  • Family – Detailed
  • Single Parent
Weathering the Unexpected7 A layoff, a loss, a squeeze, a separation
  • Mortgage Renewal Shock
  • Losing a Partner
  • Cost-of-Living Squeeze
  • Job Transition
  • Recovery & Return to Work
  • Separating Households
  • Caring for Aging Parents
Approaching & Living Retirement9 The years after work
  • Retirement Basics
  • Retirement Roadmap
  • Retirement – Detailed
  • Retirement – Investment Income
  • Easing Into Retirement
  • Empty Nest Planning
  • Road to Retirement
  • Winding Down Together – Part 1
  • Winding Down Together – Part 2
Family Milestones5 Weddings, first homes, new arrivals
  • Expecting a Baby
  • New Parent Planning
  • Ten Year Plan
  • Getting Married
  • Buying Your First Home
Making a Change5 A new job, a move, a fresh start
  • Settling in a New Country
  • Career Change
  • Sabbatical Planning
  • Education Investment
  • New Job & Relocation
Building Toward a Goal3 Saving up, paying down, financial independence
  • On the Path to FIRE
  • Debt Payoff Plan
  • First Home Savings
Self-Employed & Variable Income2 Income that changes month to month
  • Freelance & Variable Income
  • Starting a Business
In use

Three plans, three questions

Retirement

When can I retire, and what has to happen before and after?

When work can realistically stop, and what has to be in place before and after. One plan runs twenty years past the last pay cheque, with every cost ageing at its own rate.

Separation

After a separation, can I afford it?

One income, a version where child support isn't paid, refinancing the house: each tried with her own numbers. It gave her somewhere to start, and one less fear.

Sabbatical

How long can I step away, and what does going back look like?

She entered her savings and costs and saw how long they would last, then tried part-time work, different restart dates and a group of lower costs. The sabbatical went the way the plan showed.

Detailed enough to be real, quick enough to play with. Change the year, the house or the car, and watch the line move.

Privacy by architecture

Your numbers stay yours

Not a promise in a policy — a consequence of how it's built. There's no server to hold your financial data, because there's nowhere for it to go.

What bank syncing needs

  • Access to your bank account
  • Your transactions held on a server
  • A connection kept live over time
  • Recurring cost, because that connection has one

Kevin's Cash

  • Never asks for a bank login
  • Keeps your plan on your own device
  • Can't see your numbers — there's no server to see them
  • Pay once, and it's yours

Your business is your business. Kevin’s Cash is built so it stays that way.

Simple, and once

Free to think with. Pay only when you outgrow it.

Every feature is in the free plan. Premium lifts the limits when your plans get bigger.

Free
$0 · forever

The whole toolkit, five years ahead.

  • 3 incomes, 10 expenses, 2 savings items
  • 4 scenarios, 1 group
  • 5-year projection
Start free
Premium
$75 CAD · one payment

The same app, with the caps lifted.

  • Unlimited items, scenarios & groups
  • Plan as far ahead as you like
  • All 38 templates
Get Premium →

One payment. No renewal. Full pricing details

What could your future look like?

Start with today's numbers. See the rest unfold.

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