Household finance for one or two
You're building a life. Build the money side, too.
The money app for one person or two. One clear Safe to Spend number, your bills, goals and debts in one place, and an assistant that answers only from your own numbers. Share a household? Each of you gets your own login to one shared picture.
30 days freeNo card neededCancel anytimeGoogle or Apple sign-in
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Sam and Jordan's numbers are made up. The screens are the real app.
No ads. We never sell your data.
No bank passwords, ever. Statements come in by upload.
Export or delete everything, anytime.
Built by a small company in Wichita, Kansas.
On your own, or together
Start on your own. Add a partner when you're ready.
Everything in Cedar works for one person, from Safe to Spend to Ask Cedar. Share money with someone? Invite them and you each sign in your own way, into the same household. Everything lands in one shared picture, so neither of you has to be the family bookkeeper or the one asking "wait, what was this charge?"
- A partner gets their own login and device, on one shared picture
- Each of you controls what the other sees: totals always, the itemized detail only when you turn sharing on
- Lately shows who added what, each of you marked by your initial
- No password sharing, ever
Safe to Spend
The one number that ends the guessing
Safe to Spend is this month's income, minus what you've already spent, the bills and debt payments still due before the month ends, and what you've promised your savings. Dinner out, a new couch, a weekend away: check the number, on your own or together, and decide in seconds.
Under the number, a line shows whether the month is running ahead of the plan's pace or behind it. The math is one tap away, line by line.
Your week
A week you can finish
Each Sunday, Home sums up the week just past: day-to-day spending next to a usual week, the bills that landed, what came in and what's due next. Then about three minutes of upkeep: look over what's new, cover anything that ran over, check on the goals, and mark the week done.
Above it, the week ahead, planned from your statements: what comes in a week, what to set aside first for bills, debt and savings, what's yours for groceries, eating out and the rest, and where what's left goes, in the order you choose. Any amount can be set your way, and the date each debt is gone follows along.
At the foot of it sits a short money tip, a new one each visit, with another a tap away. The same recap comes by email Sunday morning, unless you'd rather it didn't, with one verse for the week from the King James Version. That's the quiet setting. Add a question to think over, or to talk over together, or turn verses off.
Ask Cedar
Ask real questions. Get answers from your real numbers.
"Where did I go over this month?" "How long until the car is paid off if we add $200?" Ask Cedar reads only your own numbers. It's educational insight, not licensed financial advice. And you choose where it runs:
PrivateAI off. Nothing leaves your ledger, and every other feature still works.
Cloudflare-hostedThe default. Runs on Cloudflare Workers AI, the same infrastructure that hosts Cedar.
ExternalSends the same request to Anthropic's Claude through its commercial API. Anthropic does not train on API data.
Built for the season you're in
A first budget, a wedding, a first home
Save for what's next with goals that have a target and a pace: an emergency fund, a car, a wedding with its vendor deposits and due dates. Then keep the habit with a five-minute monthly money date: what moved, what went over, and the one thing to adjust next month.
Budgets and spendingEvery category against its budget, with limits Cedar watches for you.
Goals with rewardsHit the number, earn the fun thing you promised yourself.
Debt payoff simulatorWhat an extra $100 a month does to the timeline and the interest.
Savings plansEmergency fund, a house, a big trip: buckets with targets and a pace.
Bills and subscriptionsDue dates on a calendar you can subscribe to, recurring charges watched for price creep.
Statement importDrop in a CSV, OFX or PDF statement and Cedar sorts it into the ledger. No bank passwords required.
Net worth and investmentsSnapshots over time, holdings with live prices, a watchlist.
Tax write-offsFor the side business: flag deductible entries, tag Schedule C lines, export for your CPA.
Export anytimeYour ledger is yours. Take it with you whenever you like.
Your money is private. So is everything you ask about it.
- We never sell your data. You're our customer, not our product.
- Cedar never receives bank passwords, card numbers, CVCs or government IDs. Bank connection is optional and not on yet; statements come in by upload.
- You choose how Ask Cedar runs, and Private means nothing leaves your ledger.
- Share a household and sharing starts off: a partner sees your totals, and the detail only when you say so.
- Export or delete your data any time. Built by HK Applications LLC in Wichita, Kansas.
The full Privacy Policy says exactly what is collected and where it lives.
Why we built it
Built for our household. Ready for yours.
Hi, I'm Hunter. My fiancée and I are getting married on May 7, 2027. As we started running one household together, I wanted a money tool built for two people. So I built Cedar & Coin to run our own household money, and we use it every week. It works just as well for one person: the shared household is there for whenever there are two of you.
It's still early, and I'll be straight with you about what's ready and what isn't. Automatic bank sync, for one, is not here yet. Write to me any time and you'll hear back from me directly.
Cedar & Coin tithes 10% of what it earns.
Hunter Kaufman, founder · HK Applications LLC, Wichita, Kansas
“He shall grow like a cedar in Lebanon.” Psalm 92:12
What it costs
30 days free, then one simple price
Every account starts with 30 days of full access and no card. Choose a plan when you're ready, and cancel any time in Settings.
One person
Start 30 days free
$4.92 /month
$59 billed yearly · save 29%
$6.99 /month
Billed monthly · $83.88 a year
No card needed to start.
- Everything in Cedar & Coin
- Your own login, with two-step sign-in
- Switch to Household of two anytime
Best for couples
Household of two
Start 30 days free
$7.42 /month for both
$89 billed yearly · save 25%
$9.99 /month for both
Billed monthly · $119.88 a year
No card needed to start.
- One plan for you both: $89 a year, not $118 for two
- Two logins, one shared household
- Each of you chooses what the other sees
- TodayFull access to everything. No card.
- A week before it endsWe email you a reminder.
- Day 30Choose a plan to keep editing. If you don't, you're never charged, and your ledger stays, read-only.
Cancel anytime in Settings · Yearly plans refunded in full within 14 days of the charge · About 16¢ a day for one person, yearly
Questions people ask
Is Cedar & Coin just for couples?
No. Everything works for one person: your budget, Safe to Spend, bills, goals, debts and Ask Cedar. If you share money with someone, invite them anytime and they get their own login to your shared household.
What happens when the 30 days are up?
We email you a week before. Choose a plan to keep adding and editing. If you don't, nothing is charged and nothing is deleted: your ledger stays, read-only, and you can still export it.
Do we both need to pay?
No. The household plan, $89 a year or $9.99 a month, covers both of you. Or each of you can keep a one-person plan of your own.
Can we cancel anytime? Do you give refunds?
You can cancel anytime in Settings under Plan & billing, and your plan runs to the end of what you paid. Yearly plans are refunded in full if you ask within 14 days of the charge. Monthly plans aren't refunded.
Do we each need our own account?
Yes, and that's the point. One of you creates the household and invites the other. You each sign in with your own login (email, Google or Apple) and see the same shared household.
How do you keep my money data safe?
Everything travels over HTTPS, you can turn on two-step sign-in, and backups are encrypted. Cedar never sees a bank password, a card number or a government ID (payments go through Stripe), and you can export or delete your data anytime.
Does it connect to my bank?
Not yet. Today you import transactions from a statement export, which means Cedar never needs your bank login. Optional bank linking is planned, and it will stay optional.
What if we keep some money separate?
That's normal. Your partner always sees your totals in the household picture, and sees your itemized entries only if you turn sharing on. New accounts start with sharing off.
Is Ask Cedar reading my data to train AI or sell ads?
No. We don't sell your data, and HK Applications LLC does not use it to train any model. In Cloudflare-hosted mode requests run on Workers AI; in External mode they go to Anthropic, which does not train on API data; in Private mode nothing is sent anywhere.
Is this financial advice?
No. Ask Cedar gives educational insight from your own numbers. It isn't licensed financial, tax or legal advice.
Who's behind this?
Hunter Kaufman, through HK Applications LLC in Wichita, Kansas. Questions go to digest@cedarcoinco.com.
Get started
Put your money on solid ground
Create your account in a minute. Share money with someone? Invite them from Settings whenever you're ready.
Get started freeNo card neededGoogle or Apple sign-inExport anytime