Bills accounted for
Unpaid payments due through your next payday are kept aside in your plan.
A LITTLE CLARITY. A LOT MORE CALM.
Know what’s coming out.
Know what’s safe to spend.
Paid weekly or monthly? The same amount or something different each time? See your upcoming payments and what’s left after bills and everyday essentials.
No card required·No bank connection
Made for real-life paydays
Weekly pay Monthly pay Changing wages
Your overviewIllustrative example
YOUR SPENDING PLAN
Safe to spend until payday
£760.00For the next 14 days, after money kept asideA daily guide£54.28 / day
Balance now£1,500
Bills & essentials£740
Coming up next
RentIn 3 days£500.00
EnergyIn 6 days£70.00
PhoneIn 9 days£30.00
Your pay, however it arrives
Your next payments, in sight
Your spending, a little clearer
A SIMPLE START
Three small steps.
A clearer picture.
A few details from you. One place to see where your money stands.
- 01
Add your pay & balance
Tell us when you get paid and what you have today. If your pay changes, use an estimate or leave the next amount blank.
- 02
Add your regular payments
Rent, direct debits and subscriptions. Add a name, amount, repeat interval and next payment date.
- 03
See what’s safe to spend
Check what’s left after payments, everyday essentials and money kept aside, with a daily guide until payday.
SOME WEEKS ARE DIFFERENT
Your wages can change.
Your plan can keep up.
Extra shifts. Fewer hours. A different amount each week. You don’t need a fixed salary to get a clear picture of your money.
IS YOUR PAY THE SAME EACH TIME?
The same each time
It changes
You can leave your next pay amount blank.
When your pay lands, update your balance.
Your spending plan updates with it.
Example of the pay setupYour spending plan updates with it.
YOUR NUMBERS. YOUR CONTROL.
A balance isn’t the whole story.
Some of that money may already have a job. CashCalm helps you see what’s committed before you spend.
Room for everyday life
Allow for groceries and transport across the actual days until payday.
Clear about the numbers
Enter your balance yourself and refresh it as money comes in or goes out. Future wages aren’t counted as cash you have today.
START WITH WHAT YOU NEED
A little help, without a big commitment.
Start with your everyday plan. Choose Pro if you need more tools.
FREE
Get a clearer picture.
£0 / month
- Fixed or changing pay setup
- Up to 5 regular payments
- Safe-to-spend overview & daily guide
- Upcoming payment timeline
- Bills pot & savings goals
No card required.
CASHCALM PRO
Make room for more.
£3 / month
Or £30 a year.
- Everything in Free
- Unlimited regular payments
- CSV & PDF exports
- Multiple accounts
- Custom categories & income tools
See the full plan details before choosing.
A LITTLE EXTRA HELP
Make space for the bigger bills, too.
Car insurance, an MOT, Christmas. Add your annual costs to see a weekly set-aside amount. This free calculator works without an account.
This is a separate planning tool. Its result isn’t your safe-to-spend amount, and it doesn’t add payments to your app plan.
Open the full annual-bills calculatorAnnual bills calculator
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A FEW GOOD QUESTIONS
A little more clarity.
Weekly pay, changing wages and how your plan works.
Does this work if my pay changes every week?
Yes. Choose “It changes” when setting up your pay. Add a cautious estimate for your next payday or leave the amount blank. Your safe-to-spend estimate uses your current balance. Update that balance when your actual pay arrives.
Can I use CashCalm if I’m paid monthly?
Yes. Choose weekly, monthly, every two weeks or a custom interval. CashCalm allows for the actual number of days until your next payday.
Does CashCalm connect to my bank?
No bank connection is needed. You enter your balance and payments yourself, then update your balance as you spend or receive money.
How is safe to spend calculated?
We start with your current spending-account balance, subtract unpaid bills due through payday, and reserve everyday essentials, a contribution towards later bills and any safety buffer you choose. Expected pay is shown separately and is not treated as money available today.
Can I start for free?
Yes. The free plan includes pay and balance setup, up to five regular payments, your spending overview and payment timeline. The annual-bills calculator below is also free to use without an account.
LESS MONEY NOISE. MORE LIFE.
Make your next payday
a little less of a guessing game.
Your pay. Your payments. One clearer plan.
No bank connection. No card required.