Shadowaccess
Coming soon to the App Store
See Where Your Money Is Headed
A planning-first money app for Canadians. Enter your accounts, income, bills, and insurance once, and CashWard shows where your balance is headed — weeks before it gets there.
CashWard helps you understand where your money is headed — and gives you time to do something about it.
Most budgeting apps look backward at what you already spent. CashWard looks forward — projecting your balance day by day, with every bill, paycheque, and insurance premium already factored in, so a tight week is visible weeks before it arrives.
Features
See your projected balance from today forward — 30 days, 90 days, or a full year — with every payday, bill, subscription renewal, insurance premium, and debt payment already factored in. CashWard tells you when and why your balance would dip below your own safety threshold, so a rough patch is a heads-up, not a surprise.
Salary, hourly shifts, contract work, or several at once — for everyone in your household. Hourly and contract income follows your actual scheduled weeks, statutory holidays, and time off instead of a single monthly average.
Payroll estimates come from the CRA's own published T4127 formulas — federal and provincial tax, CPP/CPP2, and EI. A combined Tax Position screen brings every income source together into one projected annual result, so you know well before filing season whether you're on track. Quebec payroll isn't supported yet, and CashWard says so plainly rather than guessing.
Keep your auto and home policies in one place and see what you pay — per year and per month. Enter a competing quote and CashWard compares it vehicle by vehicle against what you pay now, cheapest in green and priciest in red, annual and monthly, so you can budget it. Accept a quote today or schedule the switch for the day it starts. Every policy appears in your Bills automatically, so it's already in your forecast and calendar. CashWard doesn't fetch quotes or connect to insurers; you enter what you've been quoted.
Track recurring bills and subscriptions, see them on a calendar next to your paydays, and compare budgeted against actual spending by category. Optionally send upcoming items to Apple Calendar.
Attach a copy of a bill, statement, policy, or quote — a PDF or a photo — to the item it belongs to, and preview it in one tap. Swap in a newer copy when a new statement arrives. Copies stay on your device, are never uploaded, and CashWard never reads them.
Compare avalanche, snowball, minimum-only, or your own payoff order across every debt at once, with projected payoff dates and total interest.
Considering a raise, contract work, or a change in withholding? See the effect on your Financial Horizon and Tax Position first. Nothing is saved until you apply it.
Save your accounts, bills, insurance, and attached documents to a single backup file you keep wherever you like — optionally locked with a password — and restore it on this or another device. CashWard also keeps its own safety copy before every update and restore. A backup is a manual, one-time copy you carry between devices; automatic iCloud sync is planned but not yet available.
Everything you enter stays on your device or in a file you choose. There's no account, no server, and no analytics or advertising tracking of any kind. Optional Face ID / Touch ID lock uses your device's own authentication — CashWard never sees it.
Add accounts by hand, or import a CSV, OFX, or QFX statement export from your bank. CashWard never connects to your bank and never asks for banking credentials.
What CashWard isn't. CashWard is planning-first, not a bookkeeping or investment-trading tool. Payroll and tax figures are estimates for planning, not certified calculations or a substitute for filing your taxes. Insurance comparisons use the premiums you enter and aren't insurance advice. Quebec payroll isn't supported yet, and iCloud sync between your devices is planned but not yet available.
Screenshots · iPhone
Screenshots · iPad
CashWard is built by ShadowAccess. Email shadowteam@shadowaccess.ca and you will hear back from the developer.