Cash is fragmented
Wise, PayPal, Payoneer, Revolut, Stripe, platforms and bank accounts each show only their part.
Cash control for international solo businesses
Know what you can safely spend.
CashBoundary turns balances across wallets and currencies into one explainable number—after realistic access costs, your reserves and upcoming obligations.
- No bank connections
- Manual entry + CSV
- No money movement
Safe to spend
EUR 4,234.76after access costs, reserves and obligations- Reference cash
- 9,940.40
- Withdrawable
- 9,674.76
- Access cost
- −265.64
Higher estimated netPayPal → Wise → EUR+29.82 EUR
The problem
Your balance mixes money with different meanings.
Cleared cash, pending payouts, unpaid invoices, tax reserves and transfer costs often sit in different tools. A total balance cannot tell you what is genuinely usable.
FX is not the final cost
The reference conversion can differ from what reaches your target account after provider, fixed and intermediary fees.
Expected is not available
An overdue or unpaid invoice belongs in the forecast. It must not increase today’s spending boundary.
The CashBoundary difference
From “how much do I have?” to “how much can I use?”
Reference cash
9,940.40 EURAvailable wallet balances converted at dated reference FX rates.Withdrawable cash
9,674.76 EURWhat remains after the selected route’s estimated access and FX costs.Withdrawable cash−Tax reserve−Obligations−Runway & buffer=Safe to spend
Explainable by default
Every number has a reason.
The current result, exact calculation layers and dated assumptions stay together. A change in route affects today’s estimate without rewriting historical snapshots.
- Cleared, pending and restricted balances stay separate
- Every wallet keeps its native and base-currency values
- Rate date, source and estimate confidence remain visible
- A negative result is shown honestly as a cash gap
Route Lab
Compare what arrives—not just the headline fee.
Test eligible withdrawal and conversion routes against the same reference amount. Each result separates provider fee, FX markup, fixed fee and intermediary estimate.
- Exact estimated net received for every route
- Difference from your current default route
- Visible impact on Safe to spend
- “Higher estimated net,” never an unsupported “best route” claim
Focused product scope
Cash clarity without generic finance-app sprawl.
CashBoundary is intentionally narrower than a full budgeting, investing or accounting suite.
Multi-wallet positions
Track available, pending and restricted balances in simultaneous currencies.
Route-aware values
Keep reference value separate from the estimated amount that can reach your bank.
Reserves & obligations
Apply user-defined tax, runway and safety rules plus committed 30-day obligations.
Invoice state
Track expected invoices separately; link paid invoices to cleared cash without double counting.
Immutable history
See how the boundary changed while preserving the rate and fee assumptions used at the time.
Your data stays portable
Export account and normalized finance data and permanently delete the account.
How it works
From scattered balances to a decision in four steps.
- 1
Set your boundary rules
Choose a base currency, planning window, tax reserve, obligations and runway target.
- 2
Add at least two wallets
Enter balances manually or use a guided CSV workflow. No bank login is requested.
- 3
Confirm access routes
Select a default route per wallet and review dated public assumptions or enter a real quote.
- 4
Use the explainable boundary
Review reference cash, withdrawable cash, locked amounts and the final Safe to spend result.
Purpose-built
Not another general budget dashboard.
Budget trackers explain spending. Aggregators total accounts. CashBoundary focuses on the cost and constraints between a fragmented balance and usable cash.
| Question | CashBoundary | General tracker | Spreadsheet |
|---|---|---|---|
| What is safely usable now? | Core result | Usually indirect | Manual formula |
| Reference vs. withdrawable value | Shown separately | Often one converted total | Manual |
| Withdrawal/FX route costs | Component-level estimates | Usually outside scope | Manual research |
| Unpaid invoices | Forecast only | Varies | Easy to mix in |
| Bank credentials | Never requested | Often connection-based | Not required |
| Investments, crypto, AI coaching | Deliberately excluded | Often included | Up to you |
Privacy & security
Useful financial context, with less sensitive access.
CashBoundary is designed around manual entry and CSV—not credential collection or money movement.
Read the security modelNo bank logins
We never request banking, platform or wallet passwords, OAuth tokens or seed phrases.
No authenticated offline cache
The installable PWA caches only its versioned shell. Financial pages and exports stay network-only.
Verified, invited access
Email verification, secure server sessions and an active beta entitlement gate every financial screen.
Export and deletion
Download stored account data and permanently delete the account from the privacy controls.
Founding beta pricing
Pay for a focused cash decision—not feature volume.
Invitation-only access. Checkout is hosted by Dodo Payments after the invitation and verified account steps.
Founding monthly
$14.99/ month
- All CashBoundary beta workflows
- Manual wallets and guided CSV imports
- Route Lab and immutable boundary history
- Account export and deletion
Founding annual
$99/ year
- Everything in the monthly beta
- Same product access and privacy controls
- Lower effective monthly cost
- Founding price while the plan remains active
Taxes may be added by the payment provider based on location. Live checkout remains unavailable until the paid-beta legal and Dodo test gates are complete.
Frequently asked questions
What the beta does—and what it does not do.
Who is CashBoundary for?
International freelancers, consultants and solo businesses receiving irregular income through multiple platforms, wallets and currencies who cannot confidently separate usable cash from reserves, obligations and access costs.
How is Safe to spend calculated?
CashBoundary starts with withdrawable cleared cash, then subtracts your user-defined tax reserve, obligations inside the planning window, safety buffer and runway reserve. Every layer remains visible.
Does CashBoundary connect to banks automatically?
No. The beta uses manual entry and guided CSV imports. We do not request bank credentials or promise automatic provider connections.
What is the difference between reference and withdrawable cash?
Reference cash converts available balances with a dated reference FX rate. Withdrawable cash subtracts the estimated costs of the selected route, including provider percentage, fixed fee, FX markup and intermediary estimate.
Does Route Lab tell me which transfer to make?
No. It compares configured estimates and displays “Higher estimated net” when justified. Availability, eligibility and final provider quotes must be confirmed by you.
Do unpaid invoices increase Safe to spend?
Never. They remain expected cash until linked to an imported cleared transaction or recorded as cleared manual income without duplicating an existing wallet balance.
Is the tax reserve tax advice?
No. It is a user-defined planning estimate. CashBoundary does not calculate, file or advise on taxes and is not an accountant or financial adviser.
What happens to an uploaded CSV?
The beta policy is to parse it in temporary storage, persist normalized records and duplicate-detection references, then delete the original file after commit or cancellation. Row contents must not enter application logs.
Can I install it on my phone?
Yes. CashBoundary is a mobile-first web app that can be installed as a PWA. Financial and authenticated pages are not stored for offline viewing.
Is this a finished commercial product?
No. It is an invitation-only paid beta. Features may change, and live payment access will open only after test checkout, webhook, privacy and legal gates are complete.
One boundary. Every assumption visible.
Stop treating your total balance as permission to spend.
Join the founding beta for a clearer view of fragmented, multi-currency cash.
CashBoundary provides planning estimates, not tax, accounting or financial advice.