Skip to main content

Welcome to Cha Ching Dynasty Docs

Learn about maintainable systems. Build what you want. Create your dynasty

Cha Ching Dynasty helps you take complete control of your data through understanding and privacy-first design. Your data, your rules, your dynasty.

New to Cha Ching Dynasty?

Jump straight to our 5-minute quickstart guide to create your dynasty and start tracking your finances today.

What is Cha Ching Dynasty?​

Cha Ching Dynasty is a privacy-focused finance management platform that puts you in control. Unlike traditional banking apps that sell your data, we believe your financial information belongs to you—and only you.

🏰 Core Philosophy: Visualization​

Make better financial decisions by:

  • Recording every transaction (your evidence)
  • Reflecting on spending patterns (your insights)
  • Refining your approach (your growth)
  • Building lasting wealth (your dynasty)

Your financial data tells a story. We help you read it, learn from it, and write a better future.

Why Choose Cha Ching Dynasty?​

🔒 Privacy First​

  • Your data stays encrypted and under your control
  • No ads, no data mining, no third-party selling
  • Export your data anytime—it's yours

👨‍👩‍👧‍👦 Built for Families​

  • Create a Dynasty (shared family vault)
  • Multiple members with permission levels
  • Teach financial literacy together
  • Collaborative financial planning

📊 Evidence-Based Approach​

  • Track every dollar (your evidence)
  • Visualize spending patterns
  • Make data-driven decisions
  • Reflect and improve continuously

🌐 Truly Cross-Platform​

  • Web app (works anywhere)
  • iOS native app
  • Android native app
  • Sync across all devices (optional)

🎯 Powerful Features​

  • Obligations - Never miss a bill or subscription
  • Resources - Save toward goals with confidence
  • Relationships - Track business and vendor dealings
  • Vaults - Organize finances your way
  • Reports - Deep insights into your money

Get Started in 5 Steps​

1️⃣ Sign Up and Create Your Dynasty​

Your dynasty is your financial empire—a secure space where you manage all your money matters.

What you'll do:

  • Create a free account
  • Name your dynasty
  • Set up encryption
  • Choose your privacy level

Time: 2 minutes

👉 Create Your Dynasty

2️⃣ Create Your First Vault​

Vaults are containers that organize your financial life. Think of them as folders for different areas.

Common vault setups:

  • Personal - Your individual finances
  • Household - Shared family expenses
  • Business - Self-employment or side hustle
  • Investment - Long-term wealth building

What you'll do:

  • Click "Create Vault"
  • Name it (e.g., "Smith Family Finances")
  • Add your first account (checking, savings, credit card)
  • Choose who can access it

Time: 3 minutes

👉 Vault Setup Guide

3️⃣ Add the Essentials​

Populate your vault with the building blocks of your financial life.

Add Members (for families)​

Invite family members to collaborate:

  • Owner - Full control
  • Admin - Manage finances
  • Member - View and add transactions
  • Viewer - Read-only access

👉 Member Management Guide

Add Obligations​

Track recurring bills and subscriptions:

  • Rent/mortgage
  • Utilities (electric, water, internet)
  • Subscriptions (Netflix, Spotify, gym)
  • Loan payments (car, student loans)

Why this matters: Never miss a payment. See exactly where recurring money goes each month.

👉 Obligations Guide

Add Resources​

Set and track financial goals:

  • Emergency fund
  • Vacation savings
  • Down payment for a house
  • Debt payoff plans

Why this matters: Turn vague goals into concrete plans with measurable progress.

👉 Resources Guide

Add Relationships​

Track entities you do business with:

  • Landlord/property management
  • Freelance clients
  • Vendors and contractors
  • Service providers

Why this matters: Keep organized records for taxes, disputes, and financial planning.

👉 Relationships Guide

Time: 15-30 minutes (one-time setup)

4️⃣ Start Tracking Transactions​

The heart of evidence-based reflection: recording every transaction.

Ways to add transactions:

  • Manual entry - Quick add from mobile or web
  • Import - Upload CSV from your bank
  • Bank connection - Auto-import with Plaid (optional)
  • Receipt scanning - Photo capture with OCR

Start simple:

  1. Add today's transactions
  2. Categorize each one
  3. Add notes if helpful
  4. Review at end of day

Time: 5 minutes daily

👉 Transaction Guide

5️⃣ Reflect Weekly, Plan Monthly​

Evidence without reflection is just data. Make it meaningful.

Weekly Review (15 minutes):

  • Review past week's transactions
  • Check upcoming obligations
  • Verify resource contributions
  • Adjust budget if needed

Monthly Planning (30 minutes):

  • Review monthly spending by category
  • Compare to budget
  • Assess progress toward resources
  • Set next month's financial intentions
  • Family financial discussion (if applicable)

Time: 15 min/week + 30 min/month

👉 Reflection Guide

Understanding Key Concepts​

🏰 Dynasty​

Your top-level organization. Usually represents a family or individual. Contains all your vaults, members, and financial data.

Example: "The Johnson Dynasty"

🗄️ Vault​

A container within your dynasty for organizing finances. Separate work from personal, or organize by purpose.

Examples: "Personal Finances", "Family Budget", "Side Business", "Investment Portfolio"

💼 Obligations​

Recurring financial commitments—bills, subscriptions, loans that happen on a schedule.

Examples: Netflix ($20/mo), Rent ($1,500/mo), Car Payment ($350/mo)

🎯 Resources​

Financial goals you're saving toward or paying down.

Examples: Emergency Fund ($10,000 target), Japan Vacation ($8,000), Credit Card Payoff ($5,500)

🤝 Relationships​

Business entities you have financial dealings with.

Examples: ABC Property Management (landlord), Tech Startup Inc (client), Acme Plumbing (vendor)

💳 Transactions​

Individual money movements—every dollar in or out.

Examples: $4.50 coffee, $1,200 paycheck, $50 gas

Essential Workflows​

📱 Daily: Quick Transaction Entry​

2-5 minutes

Morning coffee? Log it. Grocery run? Log it. Got paid? Log it.

Quick Add Flow:
1. Open app
2. Tap "+" button
3. Enter amount
4. Select category
5. Add note (optional)
6. Save

Done! Evidence captured.

📅 Weekly: Review & Reflect​

15 minutes every Sunday

  1. Review Transactions

    • Scan past week's spending
    • Fix any miscategorized items
    • Add missing transactions

  2. Check Upcoming Obligations

    • What bills are due this week?
    • Verify sufficient funds
    • Mark paid obligations

  3. Update Resources

    • Add any contributions
    • Check progress toward goals
    • Celebrate milestones

  4. Quick Insights

    • Where did money go this week?
    • Any surprises?
    • What to adjust next week?

📊 Monthly: Deep Dive & Planning​

30-60 minutes on 1st of month

  1. Monthly Spending Report

    • Total spent by category
    • Compare to budget
    • Identify trends

  2. Obligation Review

    • All bills paid on time?
    • Any price changes?
    • Cancel unused subscriptions?

  3. Resource Progress

    • Goals on track?
    • Need to increase contributions?
    • Celebrate completed goals

  4. Family Financial Discussion (if applicable)

    • Review together
    • Discuss wins and challenges
    • Set intentions for next month

  5. Next Month Planning

    • Upcoming large expenses?
    • Adjust budget categories
    • Set resource contributions

🎯 Quarterly: Strategic Review​

1-2 hours every 3 months

  1. Big Picture Analysis

    • Net worth tracking
    • Income vs expenses trend
    • Progress toward major goals

  2. Category Deep-Dive

    • Which categories over/under budget?
    • Spending patterns changing?
    • Opportunities to optimize?

  3. Obligation Audit

    • Review all subscriptions (cancel unused)
    • Renegotiate bills (insurance, internet)
    • Update obligation amounts

  4. Resource Rebalancing

    • Reprioritize goals if life changed
    • Adjust contribution amounts
    • Add new goals, archive completed

  5. Financial Health Check

    • Emergency fund adequate?
    • Debt payoff on track?
    • Retirement contributions sufficient?

Add-On Services​

Enhance your Cha Ching Dynasty experience with premium features.

☁️ Cha Ching Dynasty Sync​

Keep your financial data synchronized across all your devices.

What you get:

  • ✅ Real-time sync across web, iOS, and Android
  • ✅ End-to-end encryption (we can't read your data)
  • ✅ Automatic backups
  • ✅ Family member collaboration
  • ✅ Up to 10 GB storage

Perfect for:

  • Families managing finances together
  • People using multiple devices
  • Anyone wanting automatic backups

Pricing: $4.99/month or $49.99/year (save 17%)

👉 Learn More About Sync

👑 Cha Ching Dynasty Gold​

Unlock advanced features and premium insights.

What you get:

  • ✅ Everything in Sync, plus:
  • ✅ Advanced reports and analytics
  • ✅ Custom categories and tags
  • ✅ Priority customer support
  • ✅ Early access to new features
  • ✅ Bank connection (Plaid integration)
  • ✅ Receipt scanning with OCR
  • ✅ Budget templates and recommendations
  • ✅ Export to QuickBooks/Xero
  • ✅ Unlimited vaults and members

Perfect for:

  • Power users wanting deep insights
  • Families with complex finances
  • Business owners and freelancers
  • Anyone wanting premium support

Pricing: $9.99/month or $99.99/year (save 17%)

👉 Learn More About Gold

🆓 Free Forever Option​

Cha Ching Dynasty core features are free, always.

What you get for free:

  • ✅ Unlimited transactions
  • ✅ 1 vault per dynasty
  • ✅ 3 members per vault
  • ✅ Obligations, resources, relationships
  • ✅ Basic reports
  • ✅ Manual transaction entry
  • ✅ CSV import/export
  • ✅ Local device storage
  • ✅ Mobile and web apps

Perfect for:

  • Individuals getting started
  • Single-device users
  • Privacy-focused users (no cloud needed)
  • Anyone on a budget

No credit card required. No surprise charges. Just powerful finance tools.

Your Privacy Matters​

🔐 How We Protect Your Data​

End-to-End Encryption: Your data is encrypted on your device before it ever leaves. Even we can't read it.

Zero Knowledge Architecture: We don't have access to your encryption keys. Only you can decrypt your data.

No Data Selling: We never sell, rent, or share your financial data. Ever. Our business model is simple: you pay us, we serve you.

You Own Your Data: Export anytime, in standard formats. No lock-in. No hostage data.

Optional Bank Connections: If you choose to connect banks (Gold tier), we use Plaid with read-only access. You control what data is synced.

Evidence-Based Reflection​

The Philosophy Behind the App​

Most finance apps focus on budgets and predictions. We focus on evidence and reflection.

Traditional Approach:

Set budget → Try to stick to it → Feel guilty when you don't

Evidence-Based Approach:

Track everything → Reflect on patterns → Learn → Adjust → Improve

The Reflection Cycle​

1. Capture (Evidence) Record every transaction. No judgment, just data.

2. Review (Observation) Look at what actually happened. Where did money go?

3. Reflect (Insight) Why did you spend that way? What patterns emerge?

4. Refine (Action) Based on insights, what will you change? Set intentions, not restrictions.

5. Repeat (Growth) Every cycle makes you wiser about your money.

Why This Works​

Traditional budgeting:

  • Feels restrictive
  • Focuses on what you "can't" do
  • Creates guilt and shame
  • Often abandoned

Evidence-based reflection:

  • Feels empowering
  • Focuses on what you "did" do
  • Creates awareness and learning
  • Builds lasting habits

Example:

❌ Budgeting: "I can only spend $200 on dining out this month" (Spend $250, feel like a failure)

✅ Evidence-Based: "I spent $250 on dining out. That's 8 meals. Which meals brought the most joy? Which were just habit? What can I learn?" (Awareness without judgment, intentional future choices)

Learning Resources​

📚 Documentation​

Getting Started:

  • 5-Minute Quickstart
  • Installation Guide
  • Basic Concepts

Core Features:

  • Vaults
  • Transactions
  • Accounts
  • Categories
  • Members

Finance Tools:

Guides:

  • Weekly Reflection
  • Monthly Planning
  • Importing Data
  • Family Finances

🎥 Video Tutorials​

Coming Soon:

  • Setting up your first vault
  • Adding transactions on mobile
  • Creating and tracking resources
  • Family financial collaboration

👉 Subscribe to our YouTube channel

💬 Community & Support​

Get Help:

  • FAQ - Common questions answered
  • Troubleshooting - Fix common issues
  • Email Support - Response within 24-48 hours
  • Discord Community - Chat with other users

Contribute:

  • GitHub Repository - Report bugs, request features
  • Contributing Guide - Help build the app

What's Next?​

Ready to start your financial dynasty? Here's your path:

Immediate (Today):​

  1. ✅ Create your account
  2. ✅ Set up your first vault
  3. ✅ Add your accounts

This Week:​

  1. ✅ Add obligations (all recurring bills)
  2. ✅ Create resources (start with emergency fund)
  3. ✅ Record daily transactions

This Month:​

  1. ✅ Complete your first weekly review
  2. ✅ Invite family members (if applicable)
  3. ✅ Set up bank import or connect bank (optional)

This Quarter:​

  1. ✅ Complete quarterly strategic review
  2. ✅ Export your data (backup)
  3. ✅ Join the community

Success Stories​

"Finally, a finance app that respects my privacy. My family and I have tracked every dollar for 6 months. We've saved $12,000 we didn't know we had!"

— Sarah J., San Jose, CA

"The evidence-based approach changed everything. Instead of beating myself up for 'bad' spending, I learned WHY I spend. Now I make better choices naturally."

  • Michael T., Austin, TX

"I'm a freelancer. Tracking relationships with clients and vendors has simplified my taxes SO much. Worth Gold membership 10x over."

— Jennifer K., Portland, OR

Philosophy: Build Your Dynasty​

A dynasty isn't built in a day. It's built through:

  • Consistent tracking (your evidence)
  • Regular reflection (your insights)
  • Intentional choices (your wisdom)
  • Steady progress (your legacy)

Every transaction you record is a brick in your financial empire.

Every reflection session makes you a wiser ruler of your money.

Every goal you achieve strengthens your dynasty.

Start today. Build your legacy.

Get Started:

  • Create Account
  • Quickstart Guide
  • Download Mobile App

Learn:.

  • Documentation Home
  • Video Tutorials
  • Blog Articles

Connect:

Upgrade:

  • Cha Ching Dynasty Sync
  • Cha Ching Dynasty Gold
  • Compare Plans

Ready to take control? Create your dynasty now →

Your financial empire awaits.

Have questions? Check our FAQ or contact support