You have income. Now what?
You probably have not been taught how to understand and manage your everyday money. Few are. That changes here and now.
You probably have not been taught how to understand and manage your everyday money. Few are. That changes here and now.
You Need A Cash Plan helps households by giving them a simple, modern way to see exactly how much money is coming in, going out, and what’s left for the next twelve months. It replaces stress and guesswork with clarity. Families can make decisions with confidence, stay on the same page financially, and finally feel in control of their cash flow without complicated budgeting or spreadsheets.
You Need A Cash Plan helps teach personal finance by giving students a clear, hands-on way to see how cash flow really works. Instead of abstract lessons, learners can practice projecting income, expenses, and what’s left to build real-life money skills that they can use immediately. It makes financial education simple, visual, and practical for any age group.
You Need A Cash Plan helps financial advisors by giving clients a simple, visual way to understand their future net cashflow. Instead of guessing where their money is going, clients come to meetings prepared, aligned, and more confident. Advisors save time, reduce repetitive budgeting conversations, and can focus on higher-value planning because clients finally have a clear, consistent cashflow system they can use at home between sessions.
When planning a path out of debt
You Need A Cash Plan helps you see where your money really goes so you can take control, stop falling behind, and start paying down debt with confidence. You have calculators with which you can create custom payoff plans for one debt, a debt snowball, and amortizing a high balance on a credit card.
You Need A Cash Plan has an Advance Plan feature that helps couples see their full financial picture before they say “I do.” It makes it easy to talk about money, combine plans, and build confidence in how they’ll handle expenses together after the honeymoon.
The HEMS Financial Fitness Mentor program combines mentoring, workshops, and a proven forward-looking cash flow framework to help individuals and families better manage household finances. Built around the book Get Real With Your Money and supported by You Need A Cash Plan, the program gives participants a simple, practical way to understand what their money needs to do next instead of reacting to what already happened. Mentors can focus on guidance and encouragement while participants gain clarity, build confidence, and develop sustainable financial habits through real-life implementation.
You Need A Cash Plan is simple, practical software that automatically organizes your income around real life, not artificial categories or spending rules.
A key aspect of using You Need A Cash Plan is how little of your time is needed. With the program doing the heavy lifting, your involvement in managing your income is greatly reduced compared to maintaining a budget.
Click here for an in-depth comparison of You Need A Cash Plan vs. budgeting.