Personal finance notes & budgeting FAQ.

CashNote is a manual-entry budgeting app built around hierarchy: Account Group → Account, Category → Subcategory. It's for people who want a calm, honest view of their money without bank connections, AI nudges, or streak gimmicks.

Yes. The Free plan covers every core feature with limits on Groups, Accounts, and Categories. Premium unlocks unlimited depth — and it's free for early adopters during Beta ($9.99/mo after launch).

Free gives you the full app with caps on how many Account Groups, Accounts, and Categories you can create. Premium removes those caps. Both tiers get the same charts, widgets, and exports.

Your data lives in Supabase (PostgreSQL) under row-level security — only your authenticated session can read it. We don't share, sell, or use your financial data for marketing or model training, and we don't load third-party analytics or ad trackers inside the app.

No. CashNote is manual-entry by design. You log transactions yourself. This means full privacy, no Plaid/Yodlee dependency, and no broken-connection headaches — but it does mean you're the one keeping the ledger.

Each account has its own currency. When you record a transaction in a non-default currency, CashNote captures the FX rate (auto-fetched or manually overridden) and stores a base-currency amount alongside it. Totals across accounts always roll up in your default currency.

An Account Group is a folder of accounts that share a purpose — for example, Cash, Savings, Credit Cards, or Investments. The group total is the sum of its accounts' balances, so you see the big picture before you drill in.

Categories are top-level buckets (Food, Transport, Housing). Subcategories sit one level under (Food → Groceries, Takeout, Coffee). Transactions are tagged at either level. Renaming, reordering, and re-coloring is cheap — you can restructure anytime without losing data.

You'll see how many transactions are using it before you confirm. On delete, those transactions become uncategorized — they're never lost. You can reassign them in bulk from the Transactions page.

You set a monthly cap per category. The Budget Status widget shows used vs. cap with a gauge; over-cap rows surface in amber/red. At month rollover, caps reset; spending history stays.

Each goal has a target amount and an optional linked account. Saved progress is computed from the linked account's balance (or you can update it manually). The Home widget shows the percentage and amount to go.

Each debt entry takes a balance, an APR, and a monthly minimum. The Debt overview widget sums total balance and minimum payments; tap any row to update the balance after a payment.

Add a subscription with an amount, cadence (monthly/yearly), and next due date. CashNote shows you total monthly cost in one place and surfaces what's due soon — but it doesn't auto-create transactions; you log payments as they happen.

Not yet. CashNote is a responsive web app that works in every modern mobile browser, including "Add to Home Screen" installs. A native app is on the roadmap.

Yes. Transactions export to CSV from the Transactions page. A full JSON export of accounts, categories, budgets, goals, and debts is available from Settings on request.

Once Premium billing starts (post-Beta), cancel anytime from Settings → Subscription → Billing. Access continues through the current billing period; we don't pro-rate refunds except where law requires.

Everything — profile, accounts, transactions, budgets, goals, settings — is permanently erased. There is no recovery. Export your data first if you want to keep your records.