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Safe Owner Pay (found under My Pay in the sidebar) calculates how much you can safely withdraw from your business based on real financial data - not guesswork.

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How it works

Cashflowy looks at your last 3 months of Profit & Loss data and calculates:
1

Revenue

Your total income over the last 3 months.
2

Minus Expenses

All operating costs, producing your average monthly profit.
3

Minus Tax Reserve

A percentage set aside for taxes. Default is 25%, but you can adjust this based on your tax situation.
4

Minus Business Buffer

A safety cushion to keep in the business. Default is 10%, adjustable to your comfort level.
5

= Your Safe Owner Pay

What’s left is the amount you can safely withdraw each month.

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The dashboard

The My Pay page shows:
  • A visual breakdown - see exactly how revenue flows through expenses, taxes, and buffer to your safe pay amount
  • Monthly projected net income - what you can take home

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Adjusting your settings

Click Settings on the My Pay page to customize: Use the sliders to adjust in real-time and see how it affects your safe pay number.
Not sure about your tax rate? 25% is a safe starting point for most sole proprietors and LLCs. Ask your accountant for a more precise number based on your tax filing status.
Safe Owner Pay is based on your actual categorized transactions. The more accurate your categorization, the more reliable this number is.