Bookkeeping for therapists
You became a therapist to help people, not to spend evenings in spreadsheets. Cashflowy quietly keeps your books current so you always know what your practice is really earning, and what you can safely pay yourself.
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You’re great at helping clients. The business side shouldn’t slow you down
A full calendar doesn’t always translate into financial confidence. Between cancellations, slower weeks, and the real cost of running a practice, it can be hard to see what your work is actually earning.
Your calendar looked full this week.
You’re still not sure what the practice actually made.
Between rent, malpractice insurance, supervision, continuing education, and processing fees, income alone doesn’t tell you what’s left at the end of the month.
One week is fully booked.
The next has cancellations, reschedules, and quiet gaps.
When session volume shifts week to week, it’s hard to know what a steady, safe paycheck to yourself should look like, or how much to leave in the business.
There’s money in the account.
You’re not sure how much is actually yours to spend.
Part of the balance still needs to cover taxes, upcoming expenses, holiday weeks, and a buffer for slower stretches. What’s left for you is a much smaller number.
Practice expenses live in a dozen places.
The real cost of running your practice is hard to see.
Office rent, practice software, licensing, insurance, continuing education, and payment fees end up scattered across accounts, cards, and receipts.
Clients come first, all day.
Bookkeeping keeps sliding to the weekend, or later.
After a day of sessions and notes, reviewing transactions or updating a spreadsheet is rarely what you have energy for.
“This system helped me organize all my accounts in one spot. I feel more in control, more empowered. I've got this.”
Zahra Adloo
Licensed Therapist
See what each practice payment means for your business
Connect your business accounts once. Cashflowy imports and categorizes transactions continuously, keeping your books and financial dashboard current.
Explore AI Bookkeeping →- Transaction categorizedPrivate practice income
- Books updatedIncome recorded
- Financial dashboard updatedProfit and available cash recalculated
- Planning numbers updatedOwner’s Pay, tax set-aside, and forecast use the new data
Know what your practice really keeps
Your bank balance doesn’t tell the whole story. Cashflowy brings income and expenses from your business accounts into one view, so you can see what’s left after the real cost of running your practice.
Private practice finances
This month
Expense categories
Organized automatically
- Office and utilities
- Practice software
- Professional services and supervision
- Licensing and insurance
- Continuing education
- Marketing
- Payment-processing fees
Cashflowy categorizes expenses for bookkeeping purposes. Ask your tax professional whether a particular expense is deductible.
Current books, ready for the moments that matter
Buying a home, refinancing, or applying for credit as a self-employed therapist can be stressful when your books aren’t current. With Cashflowy, your financial records stay ready, so proof of income is one download away.
Profit & Loss
January through June
When Zahra needed documentation for a mortgage refinance, she downloaded her profit-and-loss statement from Cashflowy and sent it to her lender. Her records were ready, and so was she.
“If I didn’t have Cashflowy, I wouldn’t have been able to share my P&L to buy a house. I got approved just with it.”
Zahra Adloo
Therapist
Can I take next week off? Reduce my caseload this summer? Step away for the holidays?
Cashflowy brings your suggested Owner’s Pay, tax set-aside, business buffer, and 90-day forecast into one view, so decisions about time off and caseload feel grounded, not guessed. Each number updates from the financial data recorded in your account.
Safe to pay yourself
$4,800
Based on the average of your last three months of revenue minus expenses, using the tax and buffer percentages you select.
Estimated tax set-aside
$2,100
Shows what has accumulated in your tax savings bucket based on your allocation settings.
Current business buffer
$8,200
Shows the cash you have reserved for upcoming expenses and lower-income periods.
90-day forecast
Above buffer
Projects your cash position using the revenue and expense patterns recorded in your account.
Thinking about taking a week off?
A quieter week with $1,800 less in recorded income would still leave your projected cash position above your selected buffer next month, so you can plan the time away with confidence.
Cashflowy provides educational financial information for planning. Talk to your tax or financial professional about your specific situation.
Ask financial questions about your practice in plain English
Clara AI, your financial coach, uses the financial data in your Cashflowy account to explain what changed, where your money went, and what your practice may be able to support.
Clara AI, Your Financial CoachWhy was my profit lower this month even though my calendar was full?
From your dashboard
Human bookkeepers are included
When you have an unusual transaction, an account question, or something you want to discuss, you can contact a human bookkeeper at no additional charge.
- Live chat with a human bookkeeper
- Unlimited scheduled private meetings
- Year-round support for bookkeeping questions
- Help with account questions and exceptions
- Clara AI available 24/7
Three steps to get set up
- 1Connect your business accounts
Securely connect supported business bank accounts and cards through Plaid.
- 2Cashflowy organizes your transactions
Practice deposits and business expenses are imported and categorized continuously.
- 3Use your current numbers
Review income, expenses, profit, reports, Owner’s Pay, tax set-aside, and forecasts. Ask Clara AI or contact a human bookkeeper when you have questions.
Bookkeeping that fits the way you practice
Cashflowy is designed for U.S.-based therapists running cash-pay solo private practices.
- Mental health counselors
- Licensed professional counselors
- Marriage and family therapists
- Clinical social workers
- Psychotherapists
- Psychologists running solo practices
Cashflowy is designed for
- U.S.-based solo practices
- Cash-pay practices
- Therapists without W-2 employees
- Therapists who need business bookkeeping and financial reports
Cashflowy does not provide
- Insurance billing or claims management
- Payroll
- Appointment scheduling
- Clinical notes or treatment records
- EHR or practice-management functionality
A solo therapist who works with one or two 1099 contractors may use Cashflowy to categorize contractor payments. Cashflowy does not process payroll.
Everything you need to run your practice with confidence
Understand what you can safely pay yourself, plan for slower weeks, see where your money goes, prepare for taxes, and ask Clara AI, all connected in one platform.
Frequently asked questions
What does bookkeeping for therapists include?
Bookkeeping keeps your practice finances organized as client payments come in and business expenses go out. Cashflowy automatically imports and categorizes transactions from your connected business accounts, keeps your books current, and gives you an up-to-date view of your profit, financial reports, and what you can safely pay yourself.
Does Cashflowy replace practice-management or EHR software?
No. Cashflowy complements your practice-management software by handling your business bookkeeping and financial reporting. It doesn’t replace appointment scheduling, insurance billing, client records, clinical notes, treatment plans, or other practice-management workflows.
Can Cashflowy categorize private-practice expenses?
Yes. Cashflowy automatically organizes expenses from your connected business accounts, giving you a clear picture of what it costs to run your practice, from office costs, practice software, and professional services to licensing, insurance, continuing education, marketing, payment-processing fees, and equipment. Ask your tax professional whether a particular expense is deductible.
Can I download a profit-and-loss statement?
Yes. Cashflowy generates up-to-date financial reports, including profit-and-loss statements, based on the transactions recorded in your account. Whether you’re working with your accountant, applying for a mortgage, refinancing, or documenting your self-employed income, your reports are ready whenever you need them.
Can Cashflowy help me manage variable practice income and decide what to pay myself?
Yes. As client payments and expenses change, Cashflowy automatically updates your suggested Owner’s Pay, estimated tax set-aside, business buffer, and 90-day forecast. That makes it easier to plan for slower weeks, cancellations, holidays, or changes in your caseload using your current financial data.
Does Cashflowy calculate or file taxes?
Cashflowy tracks your estimated tax set-aside so you can see how much you’ve allocated toward taxes based on your settings. It doesn’t calculate your final tax liability, prepare tax returns, file taxes, or replace a tax professional.
Are human bookkeepers included?
Yes. Human bookkeepers are included at no additional cost. If you have questions about your books, an unusual transaction, or simply want help understanding your practice finances, you can chat with a bookkeeper or schedule a private meeting whenever you need one.
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 →