Make better money decisions
Before you spend money, know how it will affect your cash flow, Owner’s Pay, tax reserve, and business — so you can make every decision with confidence.
Every business decision affects multiple parts of your finances. Cashflowy evaluates the impact before you spend.
Financial impact
Safe to proceed
- Cash Flow stays healthy
- Owner’s Pay changes by only −$180/month
- Estimated Tax Reserve remains fully funded
Every decision automatically updates your Cash Flow, Owner’s Pay, Estimated Tax Reserve, and Cash Flow Forecast.
7 day free trial · Human bookkeepers included · Cancel anytime
Ask before you spend
Clara AI is the easiest way to explore a decision. Ask about any expense and she uses your actual financial data — not generic budgeting rules — to show the impact on your business.
- Clara AISafe to proceed
Can I hire someone for $1,500/month?
Yes, this fits comfortably within your current forecast.
Your cash flow stays positive, your tax reserve remains protected, and your Owner’s Pay only adjusts slightly.
- Impact
Cash FlowPositiveOwner’s Pay▼ $180/monthEstimated Tax ReserveProtected90-Day ForecastHealthy - Clara AIWait two months
Can I hire a full-time assistant?
Not yet.
Based on your current books, hiring today would reduce your cash buffer below your target over the next 90 days.
Waiting another two months keeps your forecast healthier.
- Impact
Cash FlowTightensOwner’s Pay▼ $900/monthEstimated Tax ReserveProtected90-Day ForecastBelow target buffer - Clara AIStage over 2 months
Can I spend $3,000 on marketing?
It fits, but the timing matters.
A single $3,000 hit would pull your available cash lower than usual this month.
Spreading it across two months keeps your buffer intact.
- Impact
Cash FlowAdjustsOwner’s PayUnchangedEstimated Tax ReserveProtected90-Day ForecastHealthy range - Clara AISafe to proceed
Can I raise my Owner’s Pay this month?
Yes, modestly.
Your cash flow and tax reserve are both in good shape, so you can increase your Owner’s Pay without putting the business at risk.
- Impact
Cash FlowPositiveOwner’s Pay▲ $400/month safeEstimated Tax ReserveAuto-adjusted90-Day ForecastPositive
Make decisions before they become problems
The most expensive business mistakes rarely feel expensive in the moment. Cashflowy catches them early.
Hiring too early
What happens
You bring on help before the revenue justifies it.
Why it matters
One slow month turns a great hire into a cash-flow problem.
How Cashflowy helps
Clara AI shows whether your forecast supports a new recurring cost.
Spending tax money by accident
What happens
Cash in the bank includes what you owe the IRS.
Why it matters
You end up scrambling in April to cover a tax bill you already spent.
How Cashflowy helps
Cashflowy separates your estimated tax reserve from spendable cash.
Subscription creep
What happens
You subscribe to a tool for a project, then keep paying for it.
Why it matters
Small recurring charges silently drain profit.
How Cashflowy helps
Cashflowy surfaces subscriptions you haven’t used in 60+ days.
Raising Owner’s Pay too quickly
What happens
A good month feels like a permanent raise.
Why it matters
The next slow month leaves you underpaid — or overdrawn.
How Cashflowy helps
Cashflowy suggests a safe Owner’s Pay based on 90 days of data.
Stop guessing. Start planning
Without Cashflowy
Guessing and hoping
- Guessing
- Checking bank balance
- Spreadsheets
- Static budgets
- Hope
With Cashflowy
Deciding with confidence
- Live cash flow
- Expense impact analysis
- Owner’s Pay updates
- Tax Reserve visibility
- Clara AI guidance
- Automatically updated forecasts
- Human bookkeepers included
Human bookkeepers included
Every Cashflowy subscription includes unlimited access to real bookkeepers. Ask questions by chat or schedule private meetings whenever you need guidance. Meet your bookkeeper →
- Unlimited live chat
- Unlimited private meetings
- Included with every plan
- No additional fee
“The consultations and support have made me more confident in managing my business finances.”
Todd Threats · ConsultantSee how solopreneurs make better decisions
“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
Can Cashflowy tell me if I can afford an expense?
Yes. Ask Clara AI about a business purchase and she uses your up-to-date bookkeeping, cash flow, Owner’s Pay, estimated tax reserve, and 90-day forecast to help you understand the financial impact.
How does Clara AI decide whether I can afford something?
Clara AI uses your up-to-date bookkeeping data — connected bank transactions, cash flow, Owner’s Pay, estimated tax reserve, and forecast. Because she understands your finances, she can explain how a purchase may affect them.
Will a new expense affect my Owner’s Pay?
Potentially. Cashflowy recalculates your suggested Owner’s Pay as your financial data changes, helping you understand how a new expense may affect what you can safely pay yourself.
Does Cashflowy account for taxes before recommending a purchase?
Yes. Cashflowy factors your estimated tax reserve into its guidance, helping you avoid spending money you’ve set aside for taxes.
Will a purchase affect my 90-day cash flow forecast?
Yes. Cashflowy updates your 90-day forecast so you can see how a purchase may affect your future cash position.
Can I ask Clara AI about any business purchase?
Yes. Whether it’s software, equipment, hiring, marketing, or another business expense, Clara AI helps you understand how it may affect your finances.
Can I talk to a human bookkeeper before making a decision?
Yes. Every plan includes unlimited chat and private meetings with a real bookkeeper if you’d like guidance or have questions about your books.
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 →