Cashgaroo shows you what's safe to spend today and helps you set money aside for what actually matters — a trip, surgery, a big purchase. Not on credit. On a plan.
No credit card required
See what's safe to spend, stay ahead of bills, and watch your goal buckets fill up — one transaction at a time.
See your real spendable amount — not just your bank balance — so every spending decision feels clear instead of stressful.
Snap or upload a bank screenshot and let AI fill in your transactions automatically. Less friction means more complete data.
Set recurring bills once and always know what's due next. Stay ahead of what's coming before money leaves your account.
A visual spending calendar surfaces exactly where money quietly disappears, so you can redirect it toward what actually matters.
Track every account in one place — cash, investments, credit — with your net worth always up to date.
Cashgaroo works fully offline and syncs when you're back online. Your money plan keeps running even when your connection doesn't.
Set it up once, then make calmer decisions every day.
Install the app and create your account in under a minute.
Split your income into Bills, Needs, Wants, and Goals before you spend a cent. Your trip, your surgery, your next purchase — give each one a bucket.
Track spending quickly with AI import. Watch your goal buckets grow and adjust early — before drift becomes a problem.
People use Cashgaroo to stop wondering if they can afford it — and start planning when they will.
“I booked my trip 3 months earlier than I expected. Once I could see my goal filling up, I stopped second-guessing every purchase.”
Amirah Z.
New York, USA
“I funded a new laptop without touching my credit card. Set a goal, watched it fill up, bought it cash. First time I've done that.”
Wei Liang T.
London, UK
“I went from reactive to proactive in about two weeks. Now I know exactly when I'll hit each of my targets.”
Priya R.
Berlin, Germany
It started with a simple question: where is my money actually going, and how much can I safely spend? Zero-based budgeting gave me that answer — and with it, a clarity I didn't expect. I started funding goals in advance: a trip, LASIK surgery, a new phone. Not on credit, not scrambling after the fact.
That shift changed my relationship with money entirely. I stopped feeling like money was happening to me. I became the one in control. I built Cashgaroo so more people could feel that — with no ads, no bank sync selling your data, and no VC telling me what to build.
No ads, ever
Your focus belongs on your finances, not on ads.
Your data stays yours
I don't sell or share your financial data. Period.
Direct line to me
Email shanyi1023@gmail.com — I personally reply.
Start your free trial and build a budget that gets you there — a trip, a surgery, whatever's next. Not on credit. On a plan.