Give every dollar a job
before you spend it
You just graduated. You just landed your first client. The money hits the bank account and… now what? Cashvane splits it into four buckets automatically — so you always know what's covered, what's coming, and what you actually get to keep.
One bank balance is not a plan
Most new business owners run their whole company off a single number: the checking account balance. It looks big after a good month, so they spend freely. Then a tax bill, a slow month, or a vendor invoice shows up — and the money's already gone.
The tax surprise
Quarterly taxes don't auto-withdraw like a paycheck. Without a buffer, that bill becomes a panic-loan.
The underpaid owner
You pay everyone else first and “take whatever's left.” Most months, that's… not much.
The slow-credit spiral
Late vendor payments because cash is tight? That gets reported, and it tanks your business credit score.
Here's the fix: split the money the moment it arrives, before you can spend it twice. That's the whole idea behind Cashvane. Four buckets, each with one purpose.
One account in, four jobs out
Revenue lands in one place. Cashvane divides it the moment it arrives, so the money for taxes and profit is already separated before it can be spent twice. Imagine your college meal plan, but for business cash — and you actually like what's on the plate.
Reserve
5% of each dollar
Your Pay
30% of each dollar
Tax Buffer
15% of each dollar
Day-to-Day
50% of each dollar
What each bucket is for
Each one has a single job. When they all do their job, the business runs itself — and you stop being the person who remembers everything.
Reserve
Profit set aside first, not whatever is left over at the end.
Think of this like the emergency $20 you kept hidden in your dorm drawer. Every time money comes in, a tiny slice goes here before anything else. Slow month? This cushion catches you so a bad week doesn't become a credit-card swipe.
Your Pay
A predictable owner draw on a schedule.
You worked for free in college. Not anymore. Your Pay is a steady, same-amount-every-time paycheck to you, the owner. No more guessing “can I afford groceries this week?” — you know, because you already paid yourself.
Tax Buffer
Tax money parked before it becomes a surprise.
Nobody warns you that taxes don't auto-deduct from a business. Tax Buffer is the “future you” fund — every dollar that comes in sends its tax share here, so when the quarterly bill lands you're calm, not scrambling.
Day-to-Day
What actually runs the business.
This is the gas in the tank — payroll, software, materials, rent. Get this number right-sized and suddenly you pay vendors on time every time. That consistency? It's literally what builds your business credit score.
CAP and TAP, explained simply
Two numbers run the whole system. One is honest about today, the other points at where you're headed. You don't need a finance degree — you just need to know which is which.
Current Allocation Percentage
Where your money actually goes right now. CAP is the honest mirror — it reflects the split you're really running this quarter, not the one you wish you had. Think of it like stepping on the scale: you can't plan the diet until you know the starting weight.
Target Allocation Percentage
Where your money should go, based on your revenue band. A $50k/year business and a $5M/year business have totally different healthy percentages — so your targets shift automatically as you grow. It's the destination, not a guilt trip.
You move from CAP to TAP gradually — no crash diets
Jumping straight to target percentages overnight usually breaks payroll. Cashvane nudges your allocation a small amount each quarter, so Reserve, Your Pay and Tax Buffer grow while Day-to-Day shrinks at a pace the business can absorb. Each bucket shows one bar: your CAP filled against your TAP, plus a plain-language line telling you the exact percentage to move next quarter. Small steps, real progress.
Illustrative percentages. Your own targets come from your revenue band.
A transfer schedule that keeps the beat
Allocation only works if the money actually moves. Cashvane puts you on a twice-monthly rhythm — the 10th and the 25th — and tells you exactly how much to move into each bucket. Mark a run done and your balances update, which recalculates your CAP for the next cycle.
Connect a bank and Income, balances, and CAP all derive automatically. Prefer to drive stick? Every number stays editable. It's autopilot you can override.
Real quick — why twice a month?
Two touchpoints keep cash top-of-mind without becoming a chore. It matches how most vendors bill and how most owners think — start of month and end of month. Consistency beats intensity, every time.
Example: you just got paid $10,000
↻Repeats on the 10th and 25th — same rhythm, every month
Start splitting revenue this month
Set up your buckets, see your CAP against your targets, and get your first transfer run in minutes — no accounting degree required.