Bookkeeping for real estate agents
You know your pipeline. You know your listings. But when someone asks what your business actually made last month, the answer shouldn’t take three spreadsheets and a weekend.
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You’re great at selling homes. The business side shouldn’t hold you back
Real estate agents spend years mastering negotiations, pricing homes, building relationships, and generating referrals. Almost nobody teaches you how to make confident decisions about the business you’re building.
You know every listing.
But not your profit.
You know which listings are under contract, which buyers are ready to make an offer, and which deals are close to closing. Ask what your business actually earned last month, and suddenly you’re digging through bank statements, spreadsheets, and receipts.
Every commission feels huge.
Until you remember it isn’t all yours.
The check hits your account and it looks like a great month. Then come taxes, MLS dues, CRM, Zillow, photography, staging, gas, and the slow month you know is coming. What’s actually yours is a much smaller number, and it’s hard to know.
Bookkeeping keeps moving to next week.
You’ve got showings today.
Between showings, offers, inspections, listing appointments, and 40 follow-up texts, there is never a good time to open a spreadsheet. So bookkeeping becomes tomorrow’s problem, again. Then it becomes next quarter’s problem. Then it becomes April’s problem.
You know your marketing works.
You just don’t know what it’s costing you.
Zillow, Realtor.com, Facebook Ads, Google Ads, postcards, CRM, photography, staging, transaction coordinators. All of it helps you close deals. None of it shows up in one place where you can track what your business is actually spending every month.
You’re not a numbers person.
And that’s okay.
You didn’t become an agent to build spreadsheets. You became one to work with people, walk homes, and help families move on to the next chapter of their life. You still deserve to understand your business, just not the way an accountant would explain it.
Bookkeeping that works the way real estate works
One month you close three homes. The next month nothing closes. Cashflowy is built for commission income that doesn’t arrive on a schedule.
Every closing updates your books. Commission income recognized, tax estimate updated, Owner’s Pay recalculated automatically.
Explore AI Bookkeeping →- Recognized as commission incomeAuto-categorized
- Commission recorded from connected accountVerified
- Estimated tax reserve+$1,860 updated
- Owner’s PayRecalculated
- Cash flow forecastUpdated
Know where every dollar goes
See your spending across the expenses that matter most to real estate agents.
- Zillow Premier
- MLS dues
- Listing photography
- Staging
- CRM software
- Transaction coordinator
Cashflowy categorizes expenses for bookkeeping purposes. Ask your tax professional whether a particular expense is deductible.
Know what you can safely pay yourself
After a big closing, it’s tempting to move it all. Cashflowy gives you the number that still covers taxes and the slow month you know is coming.
Explore Owner’s Pay →Safe owner’s pay
$9,400
You can move this to personal today.
90-day cash flow forecast
You’re covered through January.
Even during slower months, your cash flow forecast updates automatically based on your latest income and spending patterns.
April stops being a surprise
Every commission updates your estimated tax reserve. By the time you file, you already know what you’ve set aside.
Explore Tax Estimates →Estimates are for planning only. Confirm what you owe with your tax professional.
Estimated tax reserve
Set aside as you go.
Your estimated tax reserve updates automatically as new commissions are recorded, so April stops being a surprise.
Estimates are for planning only. Confirm the amount you owe with your tax professional.
Ask the questions every real estate agent asks
Clara AI, your financial coach, answers using the financial data in your Cashflowy account, so you can make confident business decisions.
Clara AI, Your Financial CoachWhy did I make more commissions but keep less money?
From your dashboard
Set up Cashflowy once. Let it keep your books current from there
Connect your accounts once. Cashflowy organizes the routine work and gives you a current view of where your real estate business stands.
- 1
Connect your bank accounts
Securely connect your business bank accounts and cards through Plaid. Cashflowy automatically imports your transactions, so there’s nothing to upload or enter by hand.
- 2
Cashflowy organizes your books
Cashflowy’s AI automatically categorizes commission deposits, marketing costs, MLS dues, contractor payments, transfers, and other business expenses, keeping your books organized as new transactions come in.
- 3
Know where your business stands
See your income, expenses, cash flow, recommended Owner’s Pay, and estimated tax set-aside, all updated automatically in one dashboard, so you always know where your real estate business stands.
Bookkeeping tools track your books. Cashflowy helps you run your business
| Question | Spreadsheets | Bookkeeper | Accounting software | Cashflowy |
|---|---|---|---|---|
| How much can I safely pay myself? | Do the math | Review together | Analyze reports | |
| Can I afford another Zillow campaign? | Do the math | Review together | Review reports | |
| Can I survive six weeks without a closing? | Do the math | Review together | Limited | |
| Why did my profit drop this month? | Investigate | Review together | Review reports | |
| What will I actually keep after expenses and taxes? | Calculate | Review together | Check reports |
Everything you need to run your real estate business with confidence
Owner’s Pay, tax estimates, cash flow forecasting, financial insights, expense planning, and Clara AI all work together to help you make better business decisions.
Frequently asked questions
Is Cashflowy built for commission income?
Yes. Cashflowy is built for U.S. solopreneurs with variable income, including independent real estate agents. It helps you understand what you’ve earned, how much you can safely pay yourself, and how much you’ve set aside for taxes, even when your income changes from month to month.
Can Cashflowy replace QuickBooks for a real estate agent?
For most independent U.S. real estate agents, yes. Cashflowy combines bookkeeping, Owner’s Pay, estimated tax set-aside, cash flow forecasting, Clara AI financial coaching, and unlimited access to real human bookkeepers in one place.
Can it recognize commission deposits from my brokerage?
Yes. Cashflowy automatically recognizes and categorizes commission deposits from your connected business accounts, so your books and dashboard stay up to date as new transactions come in.
Can I see how much I’m spending on marketing?
Yes. Cashflowy automatically categorizes your business expenses, making it easy to see how much you’re spending on marketing alongside other common real estate expenses like MLS dues, staging, photography, software, and more.
How does Cashflowy estimate what I can safely pay myself?
Cashflowy looks at your recent revenue, expenses, estimated tax set-aside, and your allocation settings to recommend an Owner’s Pay amount that’s appropriate for your business today. Talk to your tax professional about your specific business and personal tax situation.
What happens during a slow month?
Cashflowy updates your dashboard, cash flow forecast, Owner’s Pay recommendation, and estimated tax set-aside as your income changes, helping you make confident decisions even when commissions are unpredictable.
What if I’ve been mixing business and personal spending on the same card?
That’s common for many solopreneurs. Cashflowy helps separate business and personal transactions, and your included human bookkeeper can help with questions or unusual situations.
Do I need any accounting background?
No. Cashflowy is built for people who say, “I’m not a numbers person.” Everything is written in plain English, Clara AI can answer questions about your finances 24/7, and real human bookkeepers are included whenever you need help.
Your financial data stays secure
Cashflowy is built on the same security standards used by the largest financial institutions.
Secure bank connections
Read-only access through Plaid. Cashflowy never stores your bank credentials.
See integrations →AES-256 & TLS 1.3 encryption
Your financial data is encrypted with AES-256 at rest and TLS 1.3 while it’s transmitted.
Your data stays private
Cashflowy never sells your data or shares your financial information with companies like OpenAI.
Real human support
Clara AI handles the routine work. Real human bookkeepers are included whenever you need help.
Meet your bookkeeper →