Description
Cashflowy is bookkeeping software built for solo, one-person U.S. businesses rather than companies with a finance team. It answers three questions owners tend to lose track of: what's actually mine to spend, what do I need to set aside for taxes, and can I afford this expense right now.
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Setup connects a business's checking accounts, cards and PayPal through Plaid, described as read-only and encrypted; the site lists direct connections to banks including Chase, Bank of America, Wells Fargo, Capital One, Citi, U.S. Bank, Mercury and American Express. Cashflowy then sorts transactions into business and personal spending using its AI, prompting the owner when something is unclear, and gives a chart of accounts already built for the way solo businesses spend, covering things like software subscriptions, contractors and professional services.
From there, the product shows a running Safe Owner Pay figure (revenue minus a buffer, expenses and a tax reserve), a year-to-date tax estimate based on an assumed reserve rate applied to taxable profit, a breakdown of spending by category over the trailing months, and a cash-flow forecast covering recent months plus a short forward projection. The site is explicit that the tax figure is a planning estimate, not tax advice, since the final bill depends on deductions and the owner's overall tax situation.
Every plan includes access to a human bookkeeper for questions, with the site citing typical response times of about 24 hours. As an optional add-on for 2026 returns, Cashflowy offers a tax-filing service under the name Taxflowy, handling both business and personal returns with deductions included.
Cashflowy markets itself broadly to U.S. business owners now, but its example customers, including a testimonial from a Realtor, show its roots and continued fit for real estate agents working on commission, alongside consultants, health coaches and other solo service providers. On its own comparison chart, it contrasts itself with QuickBooks and traditional bookkeepers by pointing to features like the owner-pay and tax-reserve guidance that those alternatives don't provide out of the box.
Pricing is a single plan at $39 per month, or $390 billed annually (about $32.50 per month), with a 7-day free trial, no charge to start, and a 30-day money-back guarantee.
- CategoryAI Accounting Tools
- Pricing ModelPaid
- DeploymentCloud
- PlatformsWeb
Cashflowy's Core Features
AI-based transaction categorization into business vs. personal spending
"Safe to pay yourself" calculation after expenses and tax reserve
Real-time tax reserve estimate based on revenue and profit
Spending-by-category breakdown
Cash-flow forecast covering recent months plus a short projection
Human bookkeeper included with every plan
Bank, card and PayPal connections via Plaid (read-only)
Prebuilt chart of accounts for solo businesses
Optional tax-filing add-on (Taxflowy) for 2026 returns
How to use Cashflowy?
Start a free trial: Sign up for 7 days free, no charge to start.
Connect your accounts: Link checking, cards and PayPal through Plaid.
Let Cashflowy organize: It sorts income and spending into business and personal categories, asking when something's unclear.
Review and confirm: Check the categorized transactions, then get back to running your business.
Check before you spend: Ask Cashflowy whether you can afford a hire, purchase, or higher owner pay before deciding.
Cashflowy's Use Cases
- Owner pay tracking
- Tax reserve planning
- Solo service business bookkeeping
- Cash-flow forecasting
