You work too hard to wonder where the money went.
Cashflowy tracks every dollar, tells you exactly what to set aside for taxes, and shows you what's safe to pay yourself.
7 days free. $0 charged today. Cancel anytime.
“Simple, AI-based, with human bookkeepers at a low cost.”
— Melene Thompson, Realtor, WA.
You are great at the work.
The only thing missing is a money tool that helps you make more and keep more.
MONEY, ALL MIXED UP
Personal or business?
A charge comes through. You know you spent it. You just can't remember what it was for.
The tax ambush
Nobody withheld a thing
The money hits your account. Taxes don't come out. Then the IRS shows up wanting its share.
FEAST, FAMINE, REPEAT
A great month, then nothing
You have your best month, but are scared to pay yourself. What if a slow month hits?
The only tool that knows self-employed income isn't a paycheck.
What's actually yours
- A good month
- $9,200
- Software, subscriptions
- - $1,000
- Contractors
- - $1,200
- Set aside for taxes
- - $1,750
Every dollar that comes in gets a job
What's for expenses, what's for taxes, what's safe to take home.
Your taxes, off the top
The moment money lands, you know what to set aside for April.
A bookkeeper who gets it
Raise your rates, drop a client, buy the equipment? Ask and get an answer built from your own numbers.
SIMPLE SETUP
Connect your accounts one time.
Even if business and personal are mixed. We’ll take it from there.
1
Cashflowy sorts it
Transactions categorized.
2
You check it
Review anything that needs you.
3
You’re all set
Books current. Money clear.
Cashflowy sorts it
Transactions categorized.
You check it
Review anything that needs you.
You’re all set
Books current. Money clear.
What's yours. Whats for taxes. What's coming.
So you can stop piecing it together and get back to the work you're actually good at.
Know what you can actually pay yourself.
We track your income, expenses, and taxes so you know what’s safe to take home.
Know what to put away for taxes.
Every time you get paid, see what to set aside so tax season doesn't have to be a surprise.
Know what you're spending on.
Software, subscriptions, contractors, marketing, client dinners. Categorized the way a solo business actually runs.
Stop stressing about slow months.
See estimates of future months based on averages of previous months. So you see the whole picture.
Available for 2026 returns Cashflowy users only
Your books are ready. We file.
All year
Cashflowy
We keep it clean.
- Books stay clean
- Expenses categorized
- Taxes tracked
Tax season
Taxflowy
We file.
- Business returns
- Deductions included
- Done for you
Business owners trust business owners.
“I opened my Cashflowy account and immediately saw a $90 charge I didn’t even know I was paying.”
Todd Threats
Consultant
“When I found Cashflowy, I was like, that can’t be real. This is exactly what I’ve been looking for.”
Ashlee Jane
Naturopathic Physician
“I’m cutting dog hair. My hands are always full of soap and water. Cashflowy takes 5 minutes a week.”
Alejandra Lira
Pet Groomer
“I used to lose whole weekends to my books. Now it's just handled, and that time goes back to my clients.”
Madelynne B
Consultant
“For years I avoided my finances completely. Cashflowy finally gave me control of my money.”
Brian Goldfarb
Real Estate Agent,
“Tax season used to stress me out. Now my numbers are always clean, and I'm actually watching my money grow.”
Jane Lockhart
Health Coach
Built for the way solo businesses work.
What you get when your bookkeeping actually fits your business.
Swipe to compare →
| Cashflowy | QuickBooks | Traditional bookkeeper | |
|---|---|---|---|
| Built for one-person businesses | ✓ | ✕ | ✕ |
| Tells you what's safe to pay yourself | ✓ | ✕ | ✕ |
| Tells you what to set aside for taxes | ✓ | ✕ | ✕ |
| Chart of accounts, prebuilt | ✓ | ✕ | Manual |
| 90-day cash-flow forecast | ✓ | ✕ | ✕ |
| A human bookkeeper you can reach | Included | ✕ | $$$ |
| What it costs | $39/mo | $38 to $200/mo | $300 to $500/mo |
EVERYTHING A SOLO BUSINESS NEEDS
7-day free trial
Just choose monthly or annual
$390/year
Billed once per year. Cancel anytime.
- Human bookkeeper included
- Auto bank reconciliation
- Real-time tax estimator
- 90-day forecast
- Chart of Accounts for solo business
- Clara AI financial coach
7 days free • 30-day money-back guarantee • For U.S. solo business owners.
Coming end of 2026: TaxFlowy — done-for-you tax prep and filing, exclusive to Cashflowy users. Priced separately by filing type.
Cashflowy works with the accounts you already use.
Chase
Bank of America
Relay
Mercury
PayPal
Citibank
Bluevine
Capital One
U.S. Bank
American Express
You have questions. That's fair.
I run everything through one personal account. Can I still start?
Yes. That is the normal starting point for almost every business owner who joins. You do not need to separate anything or clean anything up first. Connect the account you have and we sort it from there.
Why not just use QuickBooks?
QuickBooks was built for a company with staff and a bookkeeper to run it. Most solo business owners try it, get lost, and quit. Cashflowy is built for one agent, speaks in splits and set-asides, and comes with a bookkeeper who runs it with you.
I already keep clean books. Am I too organized for this?
Not at all. If you already run it like a business, you will feel the difference fastest. Cashflowy shows you what QuickBooks and Wave never could: your real take-home, your safe owner pay, and a 90-day view, all in plain english.
Can it really replace my bookkeeper?
Yes, and it includes a human bookkeeper at no extra charge. If you already have a CPA, Cashflowy works alongside them and hands over clean, categorized books at tax time.
I'm not a numbers person. Do I need to understand accounting?
No. That is the point. Cashflowy does the looking for you and shows you plain numbers: what's yours, what to set aside, what's safe to pay yourself. No ledgers, no jargon.
Is my financial data safe?
Yes. Bank-level encryption, read-only connections, and the same security standards your bank uses. We can see your numbers to help. We can never move your money.
Is it really just $39 a month?
Yes. One plan, everything included, bookkeeper and all. $39 a month or $390 a year. No tiers, no add-ons, no surprises. (TaxFlowy filing is the one optional extra, priced by the return you need.)
Can you file my actual taxes too?
Soon, yes. TaxFlowy launches at the end of 2026: done-for-you prep and filing for personal and business returns, including previous years if you're behind. It's exclusive to Cashflowy users, and because your books are already clean in Cashflowy, filing is a handoff instead of a scramble.
Stop guessing. Start knowing.
Join thousands of solo business owners who finally understand their finances.
$0 charged today. Cancel anytime.