CashfulnessCashfulness
Join the beta
Private beta · invite-only
The calm sideof .

A logbook for your personal finances. A picture of your net worth, a register of what comes in and out, and a fixed point to set off from.

9:41•••
Hi, John!
Active workspace: Smith Family
What did you spend today?
Net worth
0
History coming soon
Financial independence
44%
Liquid available
$ 38,200
Revenue · YTD
$ 19,818
Cost · YTD
$ 3,710
Balance sheet
Your net worth: $ 127,450
Productive assets$ 60,000
Cost assets$ 82,500
Liabilities$ 15,050
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Manifesto
Money is a tool to buy time and freedom.

Not a goal. Not a trophy. Not a metric to grade yourself by. Cashfulness helps you know where you are and where you want to go — without anxiety, without motivational checklists, without tickers.

Net worth · example
€ 127.450
An exact figure. Not your checking-account balance, not a rough estimate. Your fix on the map, today, at 9:41 in the morning.
Who it’s for

For people who want a grown-up relationship with their money.

Three real people, three different starting points. Cashfulness works when you have enough life to want to keep track of it, without being a finance hobbyist.

Forties · self-employed

Anna, 42 — architect, Milan

Three accounts, a pension plan, two rental flats, some ETFs. She wants to know what her wealth is really worth, without a spreadsheet that breaks every update.

Family · double income

Marco & Giulia, 38

A daughter, a mortgage, two salaries. They want to understand how much they’re actually saving, and where the small spends that vanish each month go.

Twenties · first independence

Luca, 22 — Rome, first home

Still living with his family, he just started putting something aside. He dreams of moving out, into a first place of his own. He doesn’t care about finance-as-spectacle: he wants an honest notebook to log what comes in and out.

Fifties · pre-retirement

Patrizia, 56 — Genoa

Worked her whole life. In ten years she retires and wants to know, exactly, where she’ll be starting from. Doesn’t want advice; wants a clear picture.

Calm and method, together. They only work together.
— the Cashfulness manifesto
How it works

Three gestures, in order. Nothing more.

Cashfulness automates nothing. You are the one who takes the fix. The method is the value — calm follows from it.

01

Take your fix

A picture of your wealth: accounts, assets, debts. Take it today. Take it again next month. See how close or far you are from your course.

02

Keep the logbook

A simple register: what comes in, what goes out. No mandatory categories, no useless graphs. Just honest lines.

03

Find your pace

See whether your money is buying time or taking it away. Adjust your course. Slowly.

Radical privacy

Your documents, encrypted with a key only you hold. Your identity, never asked for.

Documents you upload are end-to-end encrypted: only your device has the key. Your identity is anonymous — a nickname is enough. Even the payment is anonymous to us: the stores handle it, and we'll never know your name.

How radical privacy works
On your device
Document readable
7f3a9d2c8e1b
On our server
Encrypted noise
From the journal

Slow notes on money.

Articles you can read at breakfast, without noise, without rush. On the relationship between time, freedom and saving.

All articles

Start calmly. Start today.

The beta is private, by invitation. Leave us your email and we’ll write back within a few days — in person, not with an autoresponder.

Request an invite
— Vittorio, founder