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The big picture
Your money: See what's coming.
Most budget apps look backward, at what you already spent. Castworth shows you what's coming, so you're always in control.
Scroll down and watch a year of your money build itself.
Today
It starts with what's in your bank.
Let's say you have $6,350 in checking right now. Castworth pulls it straight from your bank, automatically.
Most budget apps stop here and look backward. Castworth starts here and looks forward.
Using your numbers.
First, just your next month.
Income
Your money comes in.
Your paycheck of $3,800 lands on the 1st and the 16th.
Every payday, your balance goes up.
Fixed
Fixed: your bills on a schedule.
Mortgage, child care, car payment, phone. Plus the ones that come once or twice a year, like car insurance every 6 months and property tax. Castworth knows when each one hits.
Each bill brings your balance down.
Flex
Flex: the everyday stuff.
Groceries, gas, eating out. It changes week to week, so Castworth learns how much you spend each month and predicts what you'll spend in the future. Here, that's about $85 a day.
So your balance drifts down a little every day.
Lumpy
Lumpy: the big costs you can't put on a calendar.
Zoom out to your whole year and they show up: holiday gifts and holiday travel in December, a water heater that quits in March. With nothing saved, a lumpy cost comes out of your Excess Cash: the money that's truly yours after every bill and planned expense ahead.
That's where set-asides come in: save a little every half-month, and when a lumpy cost arrives, the fund pays for it.
Excess Cash
So how much is really yours?
Look for the lowest point your balance reaches ahead. You could spend that much today and still cover every bill coming.
That's your Excess Cash. No guessing. The rest is already spoken for by bills on the way.
Your decision
Can you afford a $7,000 vacation in June?
A vacation is a lumpy cost you choose. Try it before you commit: change the cost or the month and watch your future change.
Going later means more paychecks to save up first.
Half-months
The same future, one paycheck at a time.
Castworth cuts every month in half: the 1st to the 15th, and the 16th to the end. Each half-month box shows what comes In, what goes out (Bills, Everyday, Lumpy), and what's Left.
Each blue dot drops from the line into its box. Same numbers, easier to read.
Looking back, looking ahead
Behind you, what happened. Ahead, what's coming.
Every day, Castworth pulls in what actually happened from your bank, on its own. No typing, no receipts. The plan turns into your real history, one day at a time, while the forecast keeps rolling forward.
Most budget apps only show you the left side. Castworth shows you both, on one line, always up to date.
Your horizon
See your future. Stay in control.
Income, Fixed, Flex, and Lumpy, all on one line. Castworth builds it from your real accounts and keeps it current every time your bank updates.
So you always know your Excess Cash today, and what any decision will do to your future, before you make it.
You don't type any of this in
- Connect your bank once. Castworth brings in every charge; you just confirm what each one is.
- Read-only. Castworth can see your money, but it can never move it.
- Connects through Plaid, the same secure service thousands of finance apps use.