How it works Features Reviews Pricing Start free trial

For people who've quit every budgeting app

Spend on credit. Stay in control.

Spend on your cards, pay them off in full. Nucash splits your paycheck into four jobs and gives you one number: exactly what's safe to spend today.

Start your free trial or see how it works

Card required · free for 45 days · read-only, secured by Plaid

Example: a $4,200 monthly paycheck split into four jobs. Bills $1,400, Allowance $1,400, Savings $900, and Splurge $500. With $50 of today's allowance and $7.14 already spent, Nucash shows $42.86 safe to spend today and a grade of Great.

The method

Most budgets fail because money has nowhere to go

Every dollar of your paycheck gets a job. There are four.

Bills

Rent, utilities, subscriptions. Set it and forget it.

Allowance

Your daily spending money. Your safe-to-spend number comes from here.

Savings

Goals and your emergency fund. Money with a future.

Splurge

Guilt-free fun, on purpose, in a bounded amount.

Your daily number

One number, even on a bad week

One bad Saturday shouldn't mean a missed payment. Here's what an overshoot looks like.

Bad
Over budget today
−$63.40
3 calm days and you're back on track. No interest, no overdraft, no spiral.

A daily grade, like a fitness tracker for money

Great, Good, Alright, or Bad. One read on how the month's going.

Recovery days, not guilt

Overspent? Nucash tells you exactly how many calm days get you back on track.

Permission to spend

When the number is green, you can buy the coffee without the nagging dread. That's the whole point.

A different take

Credit isn't the enemy. Losing track of it is.

You were told to kill every card and pay cash. But credit is how regular people get a mortgage, a car, a head start.

Your card's minimum payment is set low on purpose, to keep you paying interest for years. Nucash shows you the line, so you only spend what you can pay off in full.

On-time payments and low balances are major credit-score factors. Outcomes vary and depend on factors beyond Nucash.

Why Nucash

Built for credit. Everything else fights it.

Most apps assume cash and treat your cards as a problem. Nucash is built the other way.

Capability Nucash Other apps & spreadsheets
Spending on credit cards Built for it Treats it as a problem
Building credit + rewards The whole point Tells you to stop
Safe-to-spend today One daily number Monthly reports
Slip-ups without guilt Recovery days Red numbers
Staying up to date Syncs on its own Manual entry
Monthly cost $2/mo $8–$15/mo or a spreadsheet
Features

Four screens. One that you'll actually open daily.

Split your paycheck in seconds

Enter your take-home pay and Nucash recommends a split, so every dollar lands on purpose.

  • Smart split recommended from your real bills and goals
  • Live "remaining to allocate" that balances to zero
  • Adjust any job and watch the rest update
Salary$4,200.00
Remaining$0.00
Allocated$4,200.00
Bills $1,400
Allowance $1,400
Savings $900
Splurge $500
Every dollar has a job. Nice work.

Every charge, sorted automatically

Connect every card you use with Plaid and transactions flow in on their own. Known merchants get sorted for you, so most days you tap nothing. The occasional new charge takes one tap.

  • All your cards in one place, synced automatically
  • Recurring and known merchants sorted for you
  • Track reimbursements and discounts cleanly
Allowance left$652.70
Total unpaid$238.76
Reimbursed$45.00
DescriptionCostBudgetStatus
StarbucksFeb 3, Chase Sapphire
$6.45 Allowance Unpaid
Duke EnergyFeb 1, Chase Sapphire
$127.00 Bills Unpaid
NetflixJan 31, Amex Gold
$15.99 Bills Unpaid
Whole FoodsJan 30, Amex Gold
$89.32 Allowance Unpaid

Know what you owe, monthly and yearly

Drop in every recurring expense once. Nucash shows your true monthly and annual cost at a glance, so a forgotten subscription can't quietly drain you.

  • Monthly and annual cost breakdowns
  • Any cadence, from monthly to quarterly to yearly
  • Add, edit, or archive a bill in one tap
Monthly cost $1,201.96
Annual cost $14,423.52
Bills budget$1,400.00
NameCostEvery
Rent$950.001 mo
Car insurance$145.001 mo
Internet$79.991 mo
Netflix$15.991 mo
Spotify$10.981 mo

Watch your goals get closer

Name a goal, set a monthly contribution, and Nucash forecasts the exact date you'll reach it. When a goal becomes affordable, it tells you it's ready to pay.

  • Projected "ready" date for every goal
  • Built-in emergency fund calculator
  • "Ready to pay" alerts when you can afford it
Savings budget$900.00
Emergency fund$8,800.00
Saved across goals$10,800.00
New Laptop Ready to pay
$200/mo$2,000 / $2,000
Emergency Fund On track · ready Sep 15
$400/mo$8,800 / $10,000
Get started

From sign-up to your first number in minutes

1

Create your account

Sign up and start your 45-day free trial. Cancel anytime.

2

Connect your cards

Securely link your cards through Plaid. Transactions start flowing in automatically.

3

Give every dollar a job

Enter your salary and split it across Bills, Allowance, Savings, and Splurge.

4

Keep the number green

Check your daily allowance, sort new charges, and pay your statement off in full.

Reviews

People who swore off budgeting apps

Early reviews from real users.

"I've bounced off YNAB and Mint and like four spreadsheets. This is the first one I've actually kept open past week two. It doesn't lecture me, it just tells me what I've got."
J
Jordan M.
Software Engineer · Mar 2026
"Sounds silly but seeing "Great" pop up in the morning kind of makes my day. I check it with my coffee now. Haven't overdrafted since January."
S
Sarah K.
Marketing Manager · Feb 2026
"I put everything on my cards for the points and to build credit, and every other app fought me on it. Nucash just gets it. Finally something built for how I actually spend."
R
Ryan T.
Freelance Designer · Mar 2026
Pricing

One plan. Everything included.

No tiers, no upsells. The $2 is how we make money, so you're the customer, not the product.

$40One late-payment fee
vs
$24A full year of Nucash
  • Encrypted, read-only connections via Plaid
  • We never sell your data. Delete it all in one click.
  • Works with the credit cards you already have
45 days free, then
$2
per month · cancel anytime
  • ✓ Unlimited connected accounts
  • ✓ Automatic transaction syncing via Plaid
  • ✓ The four jobs with smart recommendations
  • ✓ Daily allowance, grade, and recovery days
  • ✓ Bill tracking with annual projections
  • ✓ Savings goals with forecast dates
  • ✓ Stacks, a quick queue of any charge waiting for a job
  • ✓ Dark mode, mobile, and desktop
Start your free trial

Card required. No charge for 45 days, and we email you before the first $2. Cancel in one click.

FAQ

Questions, answered

Yes. Nucash connects through Plaid, used by major banks. Your credentials are never stored on our servers, connections are read-only, and Nucash can never move your money.
A card is required to start, but you won't be charged for 45 days, and we'll email you before the first $2. Cancel in one click anytime. The card up front just makes the switch to paid seamless if you stay.
Never. We don't sell or share your data and run no ads. The $2/month is the whole business. Cancel and delete everything in one click.
No. Nucash works with the credit cards and accounts you already have, however many of them.
It's your Allowance budget spread across the month, minus what you've already spent. It's the amount you can spend today without touching bills, savings, or next week.
You spend on credit and pay it off in full each month. On-time payments and low balances are major credit-score factors, and you keep the points without the interest. Outcomes vary and depend on factors beyond Nucash.
No guilt trip. Nucash shows your "recovery days," how many calm days it takes to get back on track. A slip-up becomes a short plan, not a reason to give up.

Your next paycheck is the best time to start

Set it up before your next paycheck and wake up to one number that tells you where you stand.

Start your free trial

Card required. Free for 45 days. Cancel in one click.