Put in what you already know — your income, your bills, the changes you're weighing up — and watch the numbers play out.
Today's truth — and what the line above draws. But plans change…
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.
The truth is already in your numbers — it's just never in one place.
Put them in one place — income, expenses, savings — and Kevin's Cash carries them forward, laid out day by day for months and years ahead. The facts were always yours. The clarity wasn't.
Tracking and planning are different jobs. Tracking records what has already been spent; planning is about what comes next. Kevin's Cash gives you the numbers for the second: enter your figures and it carries them forward, day by day, so you can see what's coming and test a decision before you commit. It doesn't plan or advise — the arithmetic is exact, and the numbers and the choices are yours.
You enter each item once — what's true today, what you expect, or what you're only trying on. From there they're drawn together — every payday and bill on its real date, the raise you've pencilled in, the months something pauses, the years two commitments overlap. Further ahead than anyone holds in their head, and past where a spreadsheet stays readable. Seen together, they can be read month by month.
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.
Your income and your commitments rarely sit in one place — a chequing account, a credit card, a partner's account. Download the transactions from each and 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, on real dates, carried forward.
The download is read on your device and never uploaded. Nothing from it is kept except what you add to your plan.
A scenario is a change you describe once and then switch on or off — a different amount, a different date, an item paused. Switch it on and the projection redraws with it, the difference in dollars beside it. Switch it off and the original is back, untouched.
Bigger than one line? Group the scenarios that make up a whole life event — a baby, a move, a new job — and switch the lot on together. Or drop in a ready-made pack — a bundle of related scenarios for a common life event, layered onto the plan you already have. Switch it on as one, edit it piece by piece, or pull it apart and keep only the bits you want. A starter template begins a plan; a pack adjusts the one you're already in.
Nursery, a year of reduced income, and one-off setup costs — grouped, and reversible in a click.
A new baby. A layoff. A separation, a move, a career change. Each one changes the numbers.
Open whichever sits closest to your situation. Each one arrives stocked with the things that usually matter there — already named, waiting for your figures — so you begin by editing and adding, not from a blank page. 38 of them, across seven lanes.
Open any lane to see what's inside. Each is a starting point — keep what fits, change the rest, add what's missing.
Three plans people have built, and the question each one started with.
The date work can realistically stop, and what has to be in place before that date and after it. One of these plans runs twenty years past the last pay cheque, with every cost ageing at its own rate.
Managing on one income, a version where child support isn't paid, and refinancing the house, each tried with her own numbers. It let her focus on the money side, with somewhere to start, and one less fear.
A sabbatical for a mental break. She entered what she had in the bank and what her costs were, and saw how long that would last. Then she tried part-time work, different restart dates and a group of lower costs, all with her own numbers. 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.
It doesn't tell anyone what to do. It works out the numbers that are hard to work out by hand, especially years from now.
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.
Keeping your financial data on your own device was once unremarkable.
Your business is your business. Kevin's Cash is built so it stays that way.
Every feature is in the free plan — the whole toolkit, no locked doors. Premium simply lifts the limits when your plans get bigger.
The whole toolkit, five years ahead.
The same app, with the caps lifted.
One payment. No renewal, no per-seat charge, no upsell.