Save money.
Be happy.
Start your financial journey today. HedCash helps you track spending, manage budgets with the 50/30/20 rule, and build wealth.
The Alchemy.
We turn raw balance into labeled purpose.
Labeled Money Model
Your bank balance shows one big number, but your money serves many purposes. HedCash breaks it into labeled categories—Needs, Wants, Savings—so you always know what's truly available.
The 50/30/20 Engine
When income arrives, HedCash auto-splits it: 50% for Needs (essentials), 30% for Wants (lifestyle), and 20% for Savings and debt payoff—building your financial future.
True Availability
See your 'Safe-to-Spend' balance. Have $5,000 but $500 in credit card minimums due? HedCash reserves that automatically, so you only see what you can actually spend.
Smart Debt Tracking
Not all debt payments are expenses. Minimum payments count as 'Needs', but extra principal payments count as 'Savings'—because paying down debt builds your net worth.
Carryover Management
Didn't spend your full budget? Choose what happens next: add unspent money to next month's budget, move it to savings, or keep it available. Your good habits compound.