See every dollar at a glance
Understand where your money comes from, where it goes, what’s changing, and what deserves your attention — all from one live dashboard.
“I was paying $350/mo for a bookkeeping service that left me in constant panic. With Cashflowy I can see everything clearly in my dashboard plus I get helpful judgment-free human bookkeeper support anytime I want it so I always know what's going on with my finances.”
Melene Thompson · Real Estate Agent$87,655
18%vs same period last year
- Commission Check+$4,300Income
- Dee Sign−$80Open House
- Owner’s Draw → Checking−$6,000Owner’s Pay
- IRS Q3 Estimated Tax−$4,704Taxes
7 day free trial · Human bookkeepers included · Cancel anytime
Your numbers are trying to tell you something
Most bookkeeping software gives you reports. Very few tell you what those reports actually mean.
“Revenue went up.”
Should I raise my Owner’s Pay?
“Profit went down.”
What’s eating my margin?
“Expenses increased.”
Which category is growing?
“Subscriptions keep growing.”
Which ones can I cut?
“I haven’t had a closing in 2 months?”
Should I worry?
“Marketing expenses jumped up.”
What just happened?
Understanding your business is more valuable than simply tracking it.
Everything you need to understand your business
Income, expenses, profit, cash flow, Owner’s Pay, tax reserve, and recent activity — instead of ten tabs and a spreadsheet.
$87,655
18%vs same period last year
- Commission Check+$4,300Income
- Dee Sign−$80Open House
- Owner’s Draw → Checking−$6,000Owner’s Pay
- IRS Q3 Estimated Tax−$4,704Taxes
See what’s changed
Not a snapshot — a story. Every card explains why it’s moving.
- Income18%
Four new closing commissions cleared this month - your best 30 days of the year.
- Profit7%
Margin dipped because three annual memberships renewed this month.
- Software spending22%
Three new tools added this quarter. Worth reviewing for overlap.
- CommissionsHigher
Two new larger than average commissions landed.
- Owner’s PayHigher
You raised your draw. Cash forecast still positive at 90 days.
- Tax reserveOn track
Set-aside matches projected annual tax. No action needed.
Ask Clara AI to explain your business
Clara AI answers using your actual financial data — not generic accounting advice from the internet. Plain English, every time.
- Why did my profit go down?
- Where is most of my money going?
- What’s my fastest-growing expense?
- Am I becoming more profitable?
- Which subscriptions cost me the most?
- Which clients generate the most revenue?
Why did my profit go down?
Income is actually up 18%, but expenses grew 27%.
The biggest drivers: memberships (+$1,050), open houses (+$750), and client gifts (+$480). Margin slipped from 24% to 17%.
Which subscriptions cost me the most?
Top 3: NAR ($156/yr), MLS Access ($250/yr), Supra eKEY ($260/yr). Do you want me to list all of the subscriptions you pay for so you can review them?
Try asking Clara AI:
- Why did my profit go down?
- Where is most of my money going?
- What changed since last month?
- What’s my fastest-growing expense?
- Am I becoming more profitable?
- Which subscriptions cost me the most?
- Which clients generate the most revenue?
Your business health at a glance
A single view that feels more like a health check than an accounting report. Green means healthy, yellow means notice, orange means take a look.
- Healthy — no action needed
- Notice — worth a glance
- Attention — take a look this week
Insights are awareness prompts, not financial advice. Talk to your accountant or tax professional about your specific situation.
Mostly healthy
Revenue trend
Growing steadily
Profit
Healthy
Marketing spending
Higher than usual
Cash flow
Healthy
Tax reserve
On track
Client concentration
One client = 52% of revenue
Reports you can actually understand
| Capability | Cashflowy | Traditional bookkeeping |
|---|---|---|
| Live dashboard | ||
| Plain-English explanations | ||
| Visual trend insights | ||
| Clara AI financial coach | ||
| Actionable summaries | ||
| Profit & Loss statement | ||
| Balance sheet | ||
| Static monthly-only reports | ||
| Requires accounting knowledge | ||
| Human bookkeepers included |
Every important number in one place
Revenue
What’s coming in, by client and month.
Expenses
Where your money went, auto-categorized.
Profit
What actually stays after expenses.
Owner’s Pay
What’s safe for you to take home.
Tax Reserve
Set aside for the IRS all year.
Profit Margin
How much of each dollar you keep.
Account Balances
Live from every connected bank.
Recent Transactions
Categorized and searchable.
Recurring Expenses
Every subscription, in one list.
Human bookkeepers included
When you want extra context — on a report, a trend, or a big decision — a real bookkeeper is one message away. No upgrade required.
- Unlimited live chat
- Unlimited private meetings
- Included with every plan
- No additional fee
“Do you know of any other bookkeeping service for realtors that uses AI, but has somebody monitoring it that’s a professional bookkeeper, and that you can meet with to cross-reference and double-check the work? I don’t think so. Not for this price point. So the value is there.”
Melene Thompson · Real Estate AgentSee how agents and coaches understand their business with Cashflowy
“The biggest consequence isn’t just tax season. It’s that you’re flying blind all year long. Cashflowy solves that.”
Gregg Sugerman
Real Estate Coach
Insights lead to decisions.
See how the rest of Cashflowy turns your financial data into confident choices.
Frequently asked questions
What financial insights does Cashflowy provide?
Trends, changes, and explanations across revenue, profit, expenses, cash flow, Owner’s Pay, tax reserve, invoices, and forecast — plus proactive flags for things worth a second look.
How often does the dashboard update?
In real time. As new transactions post to your connected bank, the dashboard, forecast, and insights refresh.
Can Clara AI explain my reports?
Yes. Ask Clara AI why a number moved, where money is going, or how a decision would affect next month — answered in plain English from your actual data.
Do I need accounting knowledge?
No. Cashflowy is designed for solopreneurs — no ledgers, no debits and credits, no jargon.
Can I customize my dashboard?
You can pin the metrics that matter most, hide the ones you don’t need, and set the time ranges that fit your business.
Can I track trends over time?
Yes. Every major metric shows a trend line, month-over-month change, and year-over-year comparison.
Can I speak with a human bookkeeper?
Yes — unlimited chat and meetings with a real bookkeeper are included on every plan.
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 →