No job? Perfect.
Every money app opens by asking what you earn. If the honest answer is "it depends", "my mum", or "not since the loan came in", they've already lost you. Stash asks a different question — how does money reach you? — and rebuilds itself around the answer.
You can spend today
£10.91
£76.40 left · 7 days to go
On trackThree things that change everything.
Not a stripped-back "lite" mode. The same app, rebuilt around money that arrives in lumps, from people, at unpredictable times.
Pocket money is real money.
Stash asks how money reaches you — a job, family, student loans, gigs, gifts, benefits, or "it just appears sometimes" — and you can pick more than one. Answer anything but "a job" and the salary vocabulary disappears from the app. No payday countdown. No "income this month". No monthly-budget maths that assumes a monthly anything.
- Pick every source that applies
- Change it any time in settings
- Never asked "what's your salary?"
Make It Last does the maths.
Two questions: how much have you got, and when does it need to last until? Stash turns that into one number — what you can spend today — and recalculates the moment you log anything. Go over on Tuesday and Wednesday's number quietly drops. Money lands mid-stretch? Add it in and the number goes back up.
- Free to start, always
- Works on hand-logged spending
- Ends with what actually happened
Nobody's skint alone.
Split a bill without the group-chat maths. Save toward the festival in a shared pot where everyone can see the total climb. Mark what actually matters as high priority, and Stash puts spare money there first instead of nagging you about all of it equally.
- Shared pots with invite links
- Split bills, settled properly
- High-priority goals get first claim
£120. Eleven days. One number.
"Budgeting" assumes a month that resets. This assumes a pile that doesn't. The number above updates as you spend — try it.
It recalculates, not judges.
Every logged spend redistributes what's left across the days you have left. A £25 night out isn't a failure — it's tomorrow at £8.57 instead of £10.91. That's the whole feedback loop, and it's honest in both directions: an under-spent day pushes tomorrow's number back up.
Money landing mid-stretch counts.
£40 from a birthday, a shift that finally got paid, a Vinted sale. Stash spots the incoming money and asks whether it belongs to this stretch. Say yes and every remaining day gets bigger.
It ends properly, either way.
Make it to the end and Stash says so, with what you had left over and an offer to stash it in a goal. Run out on day eight of eleven, and you get the useful version instead of a telling-off: where it actually went, and what per-day figure would have carried you through.
And when there's nothing left to stretch.
Sometimes the problem isn't the spending, it's that there's no money. Stash has a Get Money section for that — what's worth selling, the student and young-person schemes people forget to claim, and side-hustle ideas labelled with honest effort and realistic weekly ranges. No "passive income" nonsense.
Straight answers.
I don't have an income — is this for me?
It's literally who we built it for. The first thing Stash asks is how money reaches you, and "it just appears sometimes" is a real answer with a real setting behind it. Pick it and the app stops assuming a payslip: no payday countdowns, no monthly salary maths, no screens asking what you earn.
What you get instead is Make It Last — tell it what you've got and the date it has to reach, and it hands you one number a day.
I only get pocket money. Isn't this overkill?
It's the opposite. £30 that has to cover two weeks needs more care than £3,000 a month, not less — the margin for error is smaller. There's no minimum balance in Stash and nothing gets unlocked by being richer.
Choose "pocket money / family" when it asks how money reaches you, and the language changes to match: money that landed, not income you earned.
My money is student loan drops. Three lumps a year.
That's the exact shape Make It Last was designed around. A loan drop is a lump sum with a date it has to reach — so you enter the amount, pick the date, and Stash works out today's number and keeps it updated as you spend.
If a shift gets paid or a parent sends something mid-term, you add it to the stretch and every remaining day gets a little bigger. And when the next drop lands, you start a fresh one.
Do I need to connect a bank account?
No. Stash works fine on spending you log by hand, which matters when the money is cash, on someone else's card, or in an account we don't support yet. Connecting a bank just saves you the typing.
What does it cost?
Starting a stretch and getting your daily number is free, and stays free — that's not a trial. Stash Pro is optional and adds extras like your full runway history and leak analysis. You can see the full breakdown on the pricing section.
You don't need a salary. You need today's number.
Free on the App Store. Two questions and you're set up.