Built for money that never touches a bank feed

The Problem

If you handle cash regularly (running a market stall, managing a small shop, organising charity collections, or just trying to keep track of a household budget in a world that still runs partly on notes and coins), you know how tedious and error-prone it is.

Counting cash at the end of the day, reconciling what you took with what you expected, splitting bills, tracking where money actually went. Most budgeting apps assume everything is digital. They sync with bank feeds and track card transactions. But if a meaningful portion of your money moves in cash, those apps leave a gap.

Cash Buddy was built to fill that gap.

What Cash Buddy does

Cash Buddy is a free UK budget dashboard that combines several tools into one interface:

• Financial overview: see your total income, expenses, and net balance at a glance with category breakdowns
• Expense tracker: log expenses by category with notes and dates, see monthly totals
• Income tracker: record income from multiple sources
• Visual dashboard: charts showing spending patterns by category and over time
• Payday countdown: set your next payday and see how many days (and budget) remain
• Loan calculator: work out monthly repayments and total interest on personal loans
• Budget settings: set spending limits by category and track how close you are
• Bill Wizard: quickly split and calculate shared expenses
• Data export/import: back up your data as JSON and restore it on any device

Everything runs locally in your browser. No registration, no server, no data collection. Your financial information stays on your device.

Who It Is For

• Market traders counting cash takings and reconciling at end of day
• Small shop owners tracking daily expenses and income alongside their till
• Charity event organisers managing donations, float, and expenses
• Household budgeters who use a mix of cash and card and want one place to see everything
• Anyone living payday to payday who needs to know exactly how much is left to spend

Why we built it

Most free budgeting tools assume your money is digital. They ask you to connect a bank account and then build everything from the transaction feed, which is fine until a meaningful share of what you take in and spend never touches a card reader.

Cash Buddy is built for the other case: logging income and expenses by hand, seeing a running total, and planning a budget around an irregular income. Spreadsheets can do it, but they are fiddly on a phone, and a dedicated app that insists on open banking access misses the point entirely.

So it works on any device, loads instantly, keeps your figures in your own browser, and does not ask for a bank connection.