Forecast your cash flow
Know where your money is today, where it’s heading over the next 90 days, and whether you can confidently make your next business decision.
Next 90 days
7 day free trial · Human bookkeepers included · Cancel anytime
The hardest business decisions are really cash flow decisions
You don’t stay up at night wondering about journal entries. You wonder if you can afford to grow.
- Can I hire a virtual assistant?
- Can I finally upgrade my laptop?
- Can I raise my Owner’s Pay?
- Can I survive a slow month?
- Can I spend money on marketing?
- Can I take a vacation?
- Can I sign a longer office lease?
- Can I invest in a new offer?
Every one of those decisions depends on cash flow. Most solopreneurs don’t have that visibility.
See the next 90 days before they happen
Cashflowy projects revenue, expenses, Owner’s Pay, tax reserve, and cash position — and flags dips before they hit.
Today
$18.4k
projected cash
- Revenue
- $14.2k
- Expenses
- −$5.2k
- Owner’s Pay
- $6.2k
- Tax reserve
- $3.2k
30 days
$21.1k
projected cash
- Revenue
- $16.8k
- Expenses
- −$5.6k
- Owner’s Pay
- $6.8k
- Tax reserve
- $3.7k
60 days
$19.8k
projected cash
- Revenue
- $18.4k
- Expenses
- −$6.0k
- Owner’s Pay
- $7.1k
- Tax reserve
- $4.1k
Dip: quarterly tax
90 days
$26.3k
projected cash
- Revenue
- $22.6k
- Expenses
- −$6.2k
- Owner’s Pay
- $8.4k
- Tax reserve
- $5.0k
Room to hire
Your bank balance only tells half the story
Current cash is a snapshot. Cashflowy adds context — what’s coming in, what’s going out, and what’s already reserved for taxes and Owner’s Pay.
$18,420
Half the story
- Current balance only
- No forecast
- No context
- No future planning
$22,400 in 90 days
The whole picture
- Today’s cash + 90-day forecast
- Upcoming expenses factored in
- Owner’s Pay + Tax Reserve
- Future cash position
Ask Clara AI before you spend money
Clara AI reads your real financial data — not the internet. Every answer is grounded in your actual books, forecast, and reserve.
- Can I afford to hire someone?
- Can I buy new equipment?
- Can I increase my Owner’s Pay?
- How will this expense affect next month?
- Will I still have enough cash after paying taxes?
- Can I invest in advertising?
Can I afford to hire a VA at $1,500/mo?
Yes, comfortably. With current trends your 90-day cash lands at $22.4k even after this expense.
Owner’s Pay stays at $6.2k, tax reserve unchanged. You’d still have ~$4k of buffer.
What if next month is 30% slower?
You’d still be positive, but only $850 above your buffer. Safer to start the VA at 20 hours and scale up in month two.
See why your cash flow changes
Cashflowy doesn’t just show the numbers — it explains what’s driving them.
Revenue increases
Cash flow increases
+$4,200
A retainer renewal and two new invoices posted this week.
Automatically updated forecasts, not end-of-month reports
| Capability | Cashflowy | Traditional bookkeeping |
|---|---|---|
| Live dashboard | ||
| Real-time updates | ||
| 90-day cash flow forecast | ||
| Expense impact analysis | ||
| Plain-English AI explanations | ||
| Historical reports | ||
| Human bookkeeper included in the base plan |
Human bookkeepers included
A real bookkeeper is one message away. Ask about cash flow, forecasts, reports, Owner’s Pay, tax reserve, or anything in your books.
- Unlimited live chat
- Unlimited private meetings
- Included in every plan
- No extra fee
“The consultations and support have made me more confident in managing my business finances.”
Todd Threats · ConsultantHow solopreneurs make better decisions with Cashflowy
“My management of my money was more than half of my business expenses every month.”
Jane Lockhart
Health Coach
Everything, connected in one platform
Explore how Cashflowy’s features work together to give you a complete picture of your business.
Frequently asked questions
What is cash flow forecasting?
Cash flow forecasting estimates how money will move through your business over time. Cashflowy uses your current bookkeeping to project your cash position, revenue, expenses, Owner’s Pay, and tax reserve for the next 90 days.
How far ahead does Cashflowy forecast?
Up to 90 days out of the box, with clear breakpoints at 30, 60, and 90 days.
How often does the forecast update?
As your bookkeeping stays up to date. As new transactions are imported and categorized, Cashflowy automatically updates your forecast using your latest finances.
Can I change forecast assumptions?
Your forecast updates automatically as your bookkeeping changes. As your business changes — new income, expenses, or updated allocation settings — your forecast reflects those changes automatically.
How accurate is the forecast?
It’s a working projection based on your current finances, not a guarantee. As Cashflowy builds a longer bookkeeping history, your forecast becomes even more useful for planning.
How is this different from my bank balance?
Your bank balance is a snapshot. Cashflowy factors in upcoming expenses, taxes, and Owner’s Pay so you know what you can actually spend.
Can Clara AI explain my forecast?
Yes. Ask why a number moved or what a decision would do to next month, and Clara AI answers using your actual data.
Can I talk to a human bookkeeper?
Yes. Every plan includes unlimited chat and meetings with a real bookkeeper, no upgrade required.
Can I see how a decision affects my future cash flow?
Yes. Cashflowy helps you understand how decisions like hiring, increasing your Owner’s Pay, or taking on a new expense may affect your projected cash position over the coming months.
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 →