Know exactly where every pound goes.
MyCashDash gives you a complete, honest picture of your personal finances. Not just what you spent, but who you spent it with, what it was for, and where it fits in your life.
Your bank app shows you numbers. It doesn't show you the story.
You check your balance. You scroll through transactions. You see a card payment to Amazon for £47.62 and think… what was that for?
Most finance apps stop at the surface. They'll tell you how much left your account last month, maybe sort it into a pie chart. But they won't tell you how much you've spent at your mechanic this year, whether your kitchen renovation is over budget, or that your mate Dave still owes you £35 from that curry in October.
MyCashDash fills in the blanks. Every transaction gets explained: who it was with, what it was for, and what part of your life it belongs to. So instead of a list of numbers, you get a proper picture of your finances. And once you can see where your money has actually been going, you can start making better decisions about where it goes next.
Three steps to understanding your money.
Bring your transactions in
Connect your bank automatically via Plaid, upload a CSV from your bank's export, or add transactions by hand. However your money moves, MyCashDash captures it.
Explain each transaction
Assign a party (who), a category (what kind of spending), and optionally tag it to a project or asset. This takes seconds, and the app learns your patterns over time.
See the full picture
Open any party, category, project, or asset and see every pound that has flowed through it: credits, debits, balance over time. Drill into the detail or zoom out for the overview.
See exactly where your money goes. And where it went.
How much have you spent at your mechanic this year? Are your kitchen renovation costs on track? Does your mate still owe you from last month? MyCashDash lets you look at your finances by person and by category, track running costs across entire projects, and monitor the real value of your assets. If the answer involves money, it's in here.
Projects
Track the total cost of anything with a start and a finish.
Renovating the bathroom? Planning a wedding? Tag every related transaction to a project and watch the running total. You'll always know exactly how much a project has cost so far, broken down by party and category.
Assets
Understand the true cost of the things you own.
Tag transactions to an asset (your car, a rental property, an investment) and track the full financial lifecycle. Purchase price, maintenance, insurance, income: all in one place, with a clear balance over time.
Parties
Everyone you spend money with, tracked individually.
Every person, shop, and company you transact with gets their own ledger. See exactly how much you've spent at Sainsbury's this year, what your landlord has received in total, or how much your friend Sarah still owes you. Each party page shows a full transaction history, running balance, and a chart of spending over time.
Categories
Your own labels for the kind of spending.
Create categories that match how you think about money: Groceries, Rent, Entertainment, Transport, Income, Loan, or whatever makes sense for your life. Filter and explore spending by category across all your accounts.
Transaction Types
Every transaction has a purpose. Label it.
MyCashDash uses eight fixed transaction types: Payment, Income, Gift, Donation, Loan, Transfer, Interest, and Refund. Each one triggers specific behaviour. Loans record amounts owed on the other party’s ledger. Transfers link to a destination account and explain both sides automatically. Gifts and Donations track how much you’ve given over the year, with Donations ready for your tax return.
Split any transaction. Track who owes what.
Paid for dinner and need to split the bill four ways? Sharing a joint account with your partner? MyCashDash lets you divide any transaction across multiple people, categories, or both.
Split by exact amount or by percentage. Each portion gets its own party and category, and the app makes sure everything adds up, including handling the awkward rounding when percentages produce fractions of a penny.
When you mark someone's portion as a Loan, it lands on their party ledger automatically. Open their page any time to see exactly what's outstanding. No separate IOU tracker needed.
Always know who owes you money.
Lent your brother £200 for car repairs? Covered someone's share of the holiday cottage? Just categorise it as a Loan and MyCashDash keeps a running tally on their party page. Every party has a loan balance alongside their regular spending totals. So at any point you can see the full picture: how much you've spent with them, how much they owe you, and how much you owe them.
Ready to take control?
Set up your first account in under five minutes.
Get Started FreeIt learns how you think about money.
The first time you explain a payment to Sainsbury's, you set the party, the category, and the type. The second time one arrives, MyCashDash fills it all in for you. Every explanation you make teaches the app your patterns, so the longer you use it, the less you have to do. What starts as a few minutes of setup turns into a handful of quick confirmations each week.
Bring your transactions in however you like.
Automatic Bank Sync
Connect your bank through Plaid and your transactions sync automatically every time you open the app. Plaid is the same secure integration used by thousands of finance apps. MyCashDash never sees your bank login details.
Powered by PlaidCSV Import
Export a statement from your bank and upload the CSV. MyCashDash detects column headers, lets you map any remaining fields, and gives you a preview before importing. Straightforward and flexible.
Manual Entry
For the odd cash transaction or anything that doesn't come through a bank feed, you can add entries by hand directly into any account.
Shared account? Split it properly.
If you share a bank account with a partner or housemates, MyCashDash lets you assign multiple owners to the account and set a default split. 50/50, 60/40, whatever fits. When a transaction comes in on a joint account, you can divide it so each person sees their real share. No more guessing who paid for what, and no more arguing over the electricity bill.
Your data stays yours.
Your bank credentials never touch MyCashDash. Bank connections go through Plaid's secure Link interface, the same system trusted by thousands of financial apps, so your login details stay between you and your bank.
Your data is hosted on Google Cloud infrastructure with TLS encryption in transit, secure token-based authentication, and Firebase App Check to prevent unauthorised access. Every connection to the app is encrypted, and your data is protected at rest on Google's SOC 2 and ISO 27001 certified servers.
If you want to go further, you can enable password-based encryption from Settings. When activated, your financial data is encrypted server-side with a key derived from your password, and you receive recovery codes that only you hold. Once encryption is on, nobody can read your data except you.
Made for people who want to actually understand their money.
The Detail-Oriented Individual
You like knowing where every pound goes and you want more than a pie chart to prove it. You appreciate that proper accounting gives you a more accurate picture than any budgeting app can.
Key features for you: individual party ledgers, double-entry accuracy, balance charts over time.
The Project Planner
You're managing a renovation, saving for a wedding, or tracking an investment property. You need to see the total cost of a specific thing across all your accounts and transactions.
Key features for you: project tagging, asset tracking, per-entity transaction history.
The Social Spender
You regularly split bills, lend money to friends, or share a joint account with a partner. You want to know who owes what without keeping a separate spreadsheet.
Key features for you: transaction splitting, automatic loan tracking, joint account support.
Personal finance software built on real accounting principles.
If you've ever used FreeAgent or Xero for work and wished something like that existed for your personal life, MyCashDash is what you've been looking for.
Most personal finance apps start with budgeting: set limits, get alerts, review a pie chart at the end of the month. That works for some people, and apps like YNAB, Monarch Money, and Copilot do it thoughtfully. But if you want to know the full financial story of a party, a project, or an asset, budgeting tools run out of road quickly.
MyCashDash starts with proper accounting instead. Every transaction is explained and recorded using double-entry principles, so you can trace every pound from your bank account to wherever it ended up. The result is a more complete and more accurate picture than any budgeting app can give you. And when you can see clearly where your money has gone, you can make better decisions about where it goes next.
What you get that most budgeting apps don't offer:
- Individual ledgers for every person and company you transact with
- Project and asset tracking with full transaction histories
- Loan tracking that works automatically through the split and categorisation system
- Double-entry accuracy across every transaction
Common questions
What is MyCashDash?
MyCashDash is a personal finance app that uses double-entry accounting to track your spending by who you pay, what the spending is for, and which projects or assets it relates to. It offers bank sync via Plaid, CSV import, transaction splitting, automatic loan tracking, and project cost monitoring.
Do I have to connect my bank account?
No. Bank sync through Plaid is completely optional. You can upload CSV exports from your bank or add transactions manually.
Is MyCashDash free?
MyCashDash is free to use during early access. Register your interest now to be among the first to get access when it launches.
What currencies are supported?
Each account can be set to one of ten currencies: GBP, EUR, USD, JPY, AUD, CAD, CHF, CNY, SEK, and NZD. Transactions within each account use that currency. Cross-currency conversion and aggregation aren’t supported yet.
Is my financial data encrypted?
Your data is hosted on Google Cloud with TLS encryption in transit, token-based authentication, and protection on SOC 2 and ISO 27001 certified servers. Bank connections go through Plaid’s secure Link interface, so your credentials never touch MyCashDash. You can also enable optional password-based encryption for an additional layer of security, with recovery codes that only you hold.
Can I use this for my business?
The double-entry system works well for simple sole trader bookkeeping, and you can flag accounts as business accounts. But MyCashDash is designed for personal finance and doesn’t include VAT tracking, invoicing, or multi-user access controls.
How does loan tracking work?
When you categorise a transaction or a portion of a split as "Loan", the amount is recorded on that party’s ledger as money owed. You can check any party’s page to see their current loan balance alongside regular spending.
Can I track project costs?
Yes. Create a project, tag relevant transactions against it, and see the running total, full transaction list, and balance chart. This is useful for renovations, holidays, events, and anything with costs spread across multiple payments.
Can I share access with my partner or housemates?
Joint accounts are supported with configurable split percentages per owner. However, the app currently supports a single authenticated user. Multi-user login and shared household access aren’t available yet.
How is MyCashDash different from YNAB?
YNAB focuses on forward-looking budgeting, where you assign every pound a job before you spend it. MyCashDash takes a different approach, using double-entry accounting to explain and track where your money actually went. It gives you individual ledgers for every person and company you transact with, project and asset cost tracking, and automatic loan tracking through the split system.
What is double-entry accounting and why does it matter?
Double-entry accounting means every transaction is recorded in two places. When you spend £20 at a shop, your account is debited and the shop’s party ledger is credited. This keeps everything balanced and means you can look at your finances from any angle: by account, by party, by project. The numbers always add up.
Your money has a story. Start reading it.
Set up your first account in minutes. No bank connection required. Just bring a CSV or add transactions by hand.
Get Started Free