Cash And The City
A small tool built around planning ahead
Cash And The City is not a heavy accounting system — it’s a lightweight program focused on one thing: keeping a personal budget under control by looking forward. Instead of only recording where the money went last month, it helps predict what the balance will look like in the weeks and months ahead. That forward-looking approach is what makes it stand out.
How it works in everyday use
The software works like a calendar. A user can mark expected income, note expenses, and see how the balance shifts over time. Rent, bills, subscriptions — these can be set up as repeating payments, while irregular costs are easy to drop in when they appear. Graphs show the forecast versus the actual result, so it’s clear whether the plan holds up or needs adjusting. Reports give a quick overview of trends: which months are tight, and where extra savings might fit in.
Why people give it a try
For many, the appeal is in its simplicity. Cash And The City doesn’t bury the user in accounting terms. It’s straightforward: type in income, add expenses, and immediately see how the future balance changes. People like that they can answer a very practical question: if I keep spending this way, will I run short by the end of the month?
Key details at a glance
| Category | Information |
| Purpose | Personal cash flow planning and budgeting |
| Platforms | Windows |
| Data model | Calendar-based ledger with categories |
| Storage formats | Native database; CSV import/export |
| Core features | Forecasting, scheduled transactions, budget vs. actual comparison |
| Extras | Charts, reports, trend analysis |
| License | Freeware |
| Audience | Families, individuals, students planning monthly budgets |
Installation notes
The installer is small and quick. It runs smoothly on older PCs, so there’s no need for modern hardware. Data stays local, in a simple database file that can be copied for backup or placed in a cloud folder if synchronization is needed.
Common use cases
– A family sketching out cash flow for the next six months to avoid surprises.
– A freelancer juggling irregular income with steady monthly bills.
– A student mapping rent and daily spending against part-time job income.
Trade-offs
Cash And The City is focused and deliberately simple. It doesn’t manage investments, doesn’t include advanced reporting, and doesn’t have mobile apps. Everything happens on the desktop, on Windows only. For household planning, that’s often enough — but those who want business-level accounting will need something else.
Bottom line
This program isn’t trying to be everything. It’s small, free, and built around a single idea: help people see the financial road ahead, not just the one behind. For households, freelancers, or students who want clarity without complexity, Cash And The City can be a very practical fit.
