Casharchy vs Dollarwise
Dollarwise sorts your spending into Needs, Wants and Savings. Casharchy shows what your checking account will hold on every date ahead, with budgets, investments and debt in the same place, and a free plan.
Side by side
| Feature | Casharchy | Dollarwise |
|---|---|---|
| Price | Free by hand. $8 a month or $80 a year (2 months free) adds bank sync and the AI tools. | Paid only after a short trial: $14.99 a month or $99.99 a year, with intro offers (source) |
| Budgeting | Monthly category budgets that already count the bills you’ve forecast. | A 50/30/20 plan: Needs, Wants and Savings, reviewed by swiping (source) |
| Balance forecast | Your checking balance on every future date, day by day. | This month’s plan, what you spent and what’s left (source) |
| Investments | Every holding across your accounts, measured against targets you set. | Not a feature on its site; investing counts in the Savings bucket (source) |
| Debt payoff | A payoff schedule for each mortgage, loan and card. | Extra debt payments count in the Savings bucket (source) |
| Platforms | Web, including on your phone. | Web, iPhone and Android (source) |
Dollarwise details from its own site, checked October 19, 2026.
Switching from Dollarwise
Casharchy’s free plan needs no card, so you can try it beside Dollarwise. If you have your transactions as a CSV with date, description and amount columns, paste it under Spending → Add Transaction → Paste CSV (bulk import); duplicates are skipped.
Dollarwise is a trademark of its owner, named here only to identify the product. Casharchy is not affiliated with it.
Try it with your own numbers
Free when you enter figures by hand. Bank connections through Plaid and the AI tools are $8 a month, or $80 a year (2 months free). No card needed to start.