What Is A Cash Calendar And How Can It Help You Manage Your Money?

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Do you keep track of your money with a cash calendar? According to studies, more Americans than ever before are enamored with budgeting, with an increasing number using a formal budget.

This is fantastic news that demonstrates how simple it is to manage your finances, stay debt-free, and save for the future. However, if you're still having trouble making the most of your money, it's possible you haven't yet discovered the right budgeting tool.

The cash calendar, as a money management tool that helps you visualize exactly what's going on with your finances, can help.

This budgeting trick will help you get your head out of the sand and see a clear picture of your monthly income and expenses. What's the best part? You'll never have to worry about running out of money again!

What is a cash calendar?

A cash calendar functions similarly to a regular calendar, but it is used to track both payment dates and amounts. You can see exactly how much money is coming in or going out on any given date with a quick glance. Essentially, your calendar will serve as a financial overview.

The following are the main advantages of your cash calendar:

There will be no more missed payments

Do you keep track of payment deadlines in your head? The visual reminder on your cash calendar will be impossible to ignore. So there will be no more late fees on late bills!

Improved money management

Do you spend all of your money on payday and end up with nothing at the end of the month? It's simple to spot spending patterns when you have all of your income and expenses in front of you.

Reminders to save for the future

Have you ever spent money without planning for the future? You won't forget to pay yourself if you use a money calendar. Make it a goal to pay yourself first in order to save even more money.

Deal with debt more quickly

Are you concerned about your debt? Your calendar will help you make a solid plan to pay off your debts before they become unmanageable. You can also incorporate the debt snowball or avalanche method into your strategy.

Who should keep track of their money with a cash calendar?

Choosing a budgeting tool is a very personal decision, and it's critical that you pick one that works best for you. If you prefer spreadsheets, a cash calendar might not be the best option for you.

Alternatively, if you prefer to manage your finances physically, cash envelopes or money jars may be more suitable.

A cash calendar, on the other hand, is a great visual money management tool that can be used alongside other budgeting techniques.

At any stage of life, anyone can benefit from using a money calendar for personal finance or small business budgeting. A money calendar may be especially useful if you fall into one of the following categories.

Moms who are always on the go

When it comes to managing the household budget, moms have a lot to consider. There's a lot of money spent on groceries, childcare, and after-school programs, not to mention birthday gifts and new shoes. Your cash calendar will make managing your finances less stressful.

Single women

Because there is no one to split the mortgage, rent, or bills with, living alone can be difficult. As a result, we recommend setting aside at least 12-18 months in your emergency fund.

This will safeguard you in the event of a financial emergency, such as a job loss or illness. A money calendar will assist you in budgeting and meeting your financial obligations as a single woman.

Couples who live together or who are married

If you're married, engaged, or living together, you and your partner may have different incomes and expenses to keep track of.

Before you create your cash calendar in a new relationship, it's a good idea to talk about money. Sit down together and figure out how you'll split the bills fairly.

We would always recommend that both partners have their own bank accounts as well as a joint account. After that, you can use a cash calendar to keep track of the big picture.

Mompreneurs and small business owners

As a mompreneur, you must be able to manage your money. Set reminders for paying suppliers, employees, and quarterly taxes on your calendar. Don't forget to set aside money for yourself!


Budgeting as a student does not imply that you have to take the fun out of college. Being prudent will keep you from accumulating large amounts of debt, which is the real killer of your post-grad years.

Students should start by filling in the semester dates on the cash calendar. You can also find out when student loan payments are due, as well as when tuition fees and other living expenses, such as rent or bills, are due.

Divorced women

Budgeting on a single income may be unfamiliar territory if you've recently divorced. You can use your calendar to see when your bills are due and how your monthly income is distributed.

If you've recently opened a new bank account or changed your marital assets, make sure you have all of the necessary information before you start planning your calendar.

How does a cash calendar work?

A cash calendar functions similarly to other management tools. It monitors how much money you have to spend by using the most basic details of your finances, such as your income and expenses. It will also assist you in saving money and reducing your debt.

But, unlike a spreadsheet or budgeting app, it's a vibrant and visually appealing tool that emphasizes dates as much as numbers.

What is the best way to set up a cash calendar?

If you're new to using cash calendars, you'll need to know the dates of key events such as:

  • Income dates: When do you get paid?
  • Bills: You can schedule recurring payments such as your electric bill, mortgage, or credit card payments.
  • Savings: Choose a day of the week or month to pay yourself, which means you set aside money on these days to save for retirement, college, an emergency fund, or other long-term goals.

Make your money calendar as bright and beautiful as possible to add some fun to it. Colorful pens, notes, and fonts can be added to your calendar.

You can use the traditional red for bills and green for income, or you can try out some new colors. The most important thing is to make it enjoyable and simple to use so that you stick to this budgeting strategy.

What are the different types of cash calendars?

You can create three different types of cash calendars.

Paper-based calendar

A calendar on your refrigerator or noticeboard can suffice. Some people prefer to keep a pocket diary. Alternatively, you could go all out and make a massive cash calendar in your home office.

Digital calendar

Choose a digital calendar that you like, such as Google Calendar, Outlook Calendar, or something similar. Make sure you have this set up to sync if you need to share it with other family members or within your company.

You can then manually enter your financial data into the appropriate dates and highlight them with your preferred colors and fonts for added clarity.

Online cash calendar

Some excellent online versions are available if you want a little less legwork in your cash calendar creation. Here are some of our personal favorites:


CalendarBudget can be accessed via Android, iOS, or a web browser, allowing you to keep track of your cash flow at all times. To keep track of your income, expenses, and regular spending, you can set up calendared reminders.

This also gives you the ability to see your account balance at any time in the future, which is a fantastic forecasting tool.

CalendarBudget offers a 30-day free trial, after which you can pay for a month or a year at a 40% discount.


Money Calendar is yet another example of how seeing your finances helps you manage them better. You can keep track of your past, present, and future finances when you download this tool to Windows. The data can also be viewed in multiple currencies.

Money Calendar does not require a subscription; it is available for a one-time fee of $29.99, or $19.99 if a discount is available. If you want to try it on for size, there's also a free trial available.


Moneydance is a personal finance app that includes investment tracking, account management, and online banking, among other features. Setting up a payment schedule for single or recurring transactions is simple, and you'll never miss a payment deadline.

Moneydance is available for iPhone, iPad, and iPod touch as a free download. You can also get it from the Google Play Store for your Android device.

For the best results, stick to the cash calendar.

If you're looking for a simple way to boost your finances, a cash calendar is a simple system to learn that has significant budgeting benefits. All you need to do to get started is set aside a block of time once a month to plan out your budget.

This can be done on the first of the month, the first Monday of the month, or on your payday. The key to a successful cash calendar is to fully commit to it. You'll be surprised at how quickly you see results!