See where your money really goes — then take it back.
CashyWashy is an offline financial planning studio for your capital: a live Sankey view of income and spending, a debt payoff engine that pits Avalanche against Snowball, and a FIRE simulator that turns "someday" into an actual date.
Move the slider. Watch your capital flow.
A small taste of the Sankey Capital Flow and FIRE simulator inside CashyWashy. Set a monthly income, drag your savings rate, and see exactly how it reshapes your path to financial independence — calculated in real time, right in this page.
Five tools. One financial picture.
Everything CashyWashy does is built to answer one question honestly: where is your money going, and what would it take to change that?
Interactive Sankey Capital Flow
Map income and spending as a living Sankey diagram, then rebalance your asset allocation with automated calculators that update the picture instantly.
Debt Avalanche & Snowball Engine
Run both payoff strategies side by side. See your exact time-to-freedom and total interest saved when you add extra monthly payments.
FIRE & Compound Growth Simulator
Project your retirement timeline with Monte Carlo simulations, inflation adjustments, and safe withdrawal rate (SWR) modeling.
Budget Architecture & Health Score
Calculate the emergency fund you actually need, apply the 50/30/20 framework, and get a clear score on your overall financial health.
100% On-Device Privacy & Zero Permissions
Every calculation happens fully offline, right on your device. No bank connections, no device permissions, no cloud sync, and no subscriptions — ever.
Built for clarity, not surveillance.
We build tools for people who want to see their money clearly, not guess at it. CashyWashy started with a simple frustration: most finance apps ask you to hand over your bank logins just to draw a chart. We think financial clarity shouldn't cost you your privacy — so we built an offline capital-planning tool that does the heavy thinking without ever touching the cloud.
Every dollar you earn takes a path — into rent, into a debt payment, into savings, or into nothing at all. CashyWashy turns that path into an interactive Sankey flow, so you can watch income split into expenses and savings in real time, then pull the levers yourself: rebalance an allocation, test a bigger extra payment, and see the ripple instantly.
Debt is a math problem before it's a willpower problem. Our Avalanche & Snowball engine runs both payoff strategies side by side and tells you exactly when you'll be free and how much interest you'll keep in your pocket. Pair that with our FIRE and compound-growth simulator — built on Monte Carlo modeling, inflation adjustments, and safe withdrawal rates — and you get a real, numbers-backed answer to "when can I stop working for money?"
No accounts. No bank links. No tracking. Just you, your numbers, and a clear picture of the road ahead, generated entirely on your own device.
Your money, your device, your decision — that's CashyWashy.
Nothing to collect, because nothing leaves your device.
CashyWashy was designed around a simple rule: your financial life is yours alone. This policy explains, plainly, what that means in practice.
01 Information We Collect
We collect nothing. CashyWashy does not require an account, an email address, or a sign-in of any kind. Every figure you enter — income, expenses, debts, savings goals — stays inside the app on your device and is never transmitted anywhere.
02 How We Use Information
Because no information is ever sent to us, there is nothing for us to use, analyze, profile, or sell. All Sankey visualizations, debt payoff comparisons, FIRE projections, and budget health scores are computed locally, purely for your own eyes.
03 Data Storage
Any figures you enter are stored only in local, on-device storage. There is no cloud database, no remote server, and no backup copy held by CashyWashy. If you delete the app, your data is gone with it.
04 Third-Party Services
CashyWashy contains no third-party analytics, advertising SDKs, or trackers, and does not connect to banks, brokerages, or any financial institution. There are no external services with access to your information, because none are used.
05 Data Security
The safest data is data that never leaves your hands. By keeping every calculation — from debt avalanche schedules to Monte Carlo retirement runs — entirely on-device and offline, CashyWashy removes the exposure that comes with network transmission or cloud storage altogether.
06 Children's Privacy
CashyWashy does not knowingly or unknowingly collect personal information from anyone, child or adult, which makes the app inherently compliant with children's privacy standards such as COPPA. No data collection means no age-related data risk.
07 Your Control
You are always in full control. There are no accounts to manage and no servers holding your history. To permanently remove all app data, simply delete CashyWashy from your device — nothing further is required or retained.
08 Changes to This Policy
If this policy is ever updated, the revised version will be published within the app along with a new effective date. Because we collect no contact details, we encourage you to review this page periodically.
09 Contact
Questions about this policy or how CashyWashy handles (or rather, doesn't handle) your data can be sent to privacy@cashywashyapp.com.
Let's talk numbers.
📬 Got a question, a bug report, or an idea that could make CashyWashy sharper? We'd genuinely love to hear it — reach out any time, and a real person on our small team will read it.
⏱️ We read every message and typically reply within 24–48 hours.