Americans pay $40B+ a year in overdraft, late, and NSF fees — most of it avoidable

Stop the Fee Drain.
Build Your Savings.

  • Catch shortfalls before they become fees
  • 🔁Move money automatically when you're short
  • 📞Get the exact script to fight fees you've paid
  • 💰Every fee you avoid goes straight to savings

No credit card required · Bank-level 256-bit encryption · Read-only access

Our promise to you
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We auto-pause ourselves
If your $4.99 Kash subscription would cause a cash gap, we automatically pause it for that month — so your bill gets paid instead. It restarts on its own when you're stable.
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One goal: more money in your pocket.
Not engagement. Not product sales. Every alert, recommendation, and feature we build starts with a single question — does this help you keep more of what you earn?
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Your money moves only when you say so.
We connect read-only by default — we see your transactions to spot risks. If you want us to act automatically (like sweeping savings or avoiding a fee), you turn that on. You're always in control.

Where Your Money Is Really Going

Most people have no idea how much they're losing to fees and mindless spending every year. Kash spots it, flags it, and tells you how to stop it.

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Overdraft Fee
$35
Every time your balance goes negative — even by $1
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Late Fee
Up to $41
Miss a due date by one day and it's automatic
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NSF Fee
Up to $41
Your bank bounces the payment AND charges you for it
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Payday Loan
400%+ APR
Borrow $300 until payday. Pay back $400. Every time.
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Prepaid Card Fees
$10/mo
A monthly fee just to use your own money
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Wasteful Spending
$1,497/yr
What the average American spends on things they admit they don't really need¹

Your Automated Path to Financial Buffer

Kash connects to all your financial accounts securely and works silently in the background — predicting, alerting, and recovering on your behalf.

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Step 1

Link Securely for Foresight

Connect your bank in 60 seconds via Plaid. Kash reads your transaction patterns to build a predictive picture of where fees are likely to strike next.

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Step 2

Predictive Alerts to the Rescue

Before a fee posts, you get a heads-up. Kash monitors your balance and payment timing so you can act — transfer funds, deposit money, get a payday/cash advance — before the charge hits.

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Step 3

Dispute Nudge to Save Money

When a fee does post, our AI nudges you to call and dispute the charge. Many institutions have courtesy waivers if you call, especially if you call early and it's the first time you've been charged a fee. The refunded money can go directly into your savings.

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Step 4

Coach: Find What Else to Cut (Guard)

Guard Coach compares your spending category by category to people in your income bracket. You get a ranked list of exactly what to cut — most savings first, least sacrifice to your lifestyle.

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Step 5

Need Cash Fast? We Find the Safe Option

If you're running short, Kash shows you fee-free ways to bridge the gap — earned wage access, credit unions, community lenders. So you never have to resort to a payday loan.

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Step 6

Watch Small Savings Turn Into Real Money

Avoiding a $35 fee every month is $420/year. Trim $100 in wasteful spending on top of that and you have real money to save. Kash tracks what you've kept — and shows you what it grows into.

$40B+
Charged to Americans annually — mostly avoidable
$340
Avg. fees paid annually per user
60s
Time to connect your bank
256-bit
Bank-level encryption

Simple, Transparent Pricing

No credit card required to start. No hidden fees — ever.

30 DAYS FREE · NO CARD NEEDED
$0 for 30 days
then $4.99/month · Cancel anytime
  • Fee detection across all your accounts
  • Dispute scripts that get fees waived
  • Low balance alerts before overdrafts hit
  • Bill prediction and shortfall warnings
  • Spending insights and subscription audit
  • Unlimited bank accounts
  • Automated money movement — coming soon
Start my free trial →

Stop paying fees. Start keeping more of what you earn.

Connect your bank in 60 seconds. Kash catches fees before they hit, arms you with the words to fight them, and shows you where else your money is quietly walking out the door.

🛡️ Start my free trial — no card needed