The cool way to view your money
See where your money really goes. Make a plan that actually works.
See where your money really goes. Make a plan that actually works.
Most people aren’t bad with money — their tools are. Budgets look backward. Life moves forward.
You Need A Cash Plan flips the script:
* Focuses on cash flow, not categories
* Works forward from today, not backward
* Gives you visibility into your real spending power
A simple, visual, client app that helps you:
* Understand where their money goes
* Plan ahead for expenses instead of reacting
* Avoid overdrafts, late fees, and debt traps
* Build confidence and financial independence
Unlike budgeting apps, You Need A Cash Plan focuses on timing and real-life cash availability, not abstract categories or guesses.
Your income, spending, bills, credit cards, sinking funds, savings, and net cash flow are clearly visualized in one screen.
Your cash plan aligns your income with your expenses and savings for the next twelve months.
You see what’s safe to spend; no surprises, no stress.
You Need A Cash Plan makes it easy to see where your money’s going, stay on top of bills, and feel in control. It helps your household talk about money without stress so everyone’s on the same page.
You Need A Cash Plan helps students learn real-life money skills; how to forecast cash flow, plan ahead, and make smart choices with what they earn and spend. It turns money management into something simple, visual, and fun to understand.
You Need A Cash Plan helps clients clearly see how money moves in and out of their lives. It gives you a simple, visual way to guide conversations about spending, saving, and planning.
Planning a path out of debt
You Need A Cash Plan helps you see where your money really goes so you can take control, stop falling behind, and start paying down debt with confidence.
You Need A Cash Plan helps couples see their full financial picture before they say “I do.” It makes it easy to talk about money, combine plans, and build confidence in how you’ll handle expenses together.
The Financial Fitness Mentor program empowers banks, credit unions, and employers to support their customers and employees with real-life money guidance that improves financial well being.
Real benefits of using You Need A Cash Plan
YNACP is your cash plan; simple, practical software that automatically organizes your income around real life, not artificial categories or spending rules.
A key aspect of using YNACP is how little of your time is needed. With the program doing the heavy lifting, your involvement in managing your income is greatly reduced compared to doing a budget.
Click here for an in-depth comparison of YNACP vs. budgeting.