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Documentation Index

Fetch the complete documentation index at: https://cashflowy.ai/docs/llms.txt

Use this file to discover all available pages before exploring further.

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:
SettingDefaultWhat it controls
Tax reserve %25%How much to set aside for taxes
Business buffer %10%Safety cushion to keep in the business
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.