Pay yourself with confidence
Cashflowy calculates a safe Owner’s Pay from your real revenue, expenses, tax reserve, and cash flow — so you always know how much you can safely take home.
$6,240
↑ $420 vs last month
- Client, Northwind Retainer+$4,500Income
- Adobe Creative Cloud−$59.99Software
- Owner’s Draw → Checking−$3,000Owner’s Pay
- IRS Q3 Estimated Tax−$1,820Taxes
Automatically updated as your business changes
7 day free trial · Human bookkeepers included · Cancel anytime
Stop using your bank balance as your paycheck
Almost every solopreneur checks their bank app before paying themselves. But that number hides upcoming bills, taxes, subscriptions, and next month’s cash needs — so it can’t tell you what’s actually safe to take.
Bank balance
$18,420
What your bank app shows
- Doesn’t account for taxes
- Doesn’t account for future expenses
- Doesn’t tell you what’s safe
Owner’s Pay
$6,240
What’s actually yours to take
- Based on real business performance
- Accounts for taxes automatically
- Updates every time your numbers change
Your bank balance tells you how much cash you have. Owner’s Pay tells you how much is actually yours.
How Cashflowy calculates your Owner’s Pay
Cashflowy continuously analyzes your business and recalculates your Owner’s Pay whenever your numbers change.
- It isn’t a guess.
- It isn’t a spreadsheet.
- It isn’t a fixed percentage.
- It reflects what’s actually happening inside your business.
Every input — revenue, expenses, taxes, and cash flow — is pulled directly from your live financial data, then combined into a single number you can safely take home.
Ask Clara AI before you move money
Clara AI answers using your real financial data — not generic advice. She knows your revenue, your reserve, your recurring bills, and what’s already going out this week.
- How much can I safely pay myself this month?
- Why did my Owner’s Pay change?
- Can I afford this $2,400 laptop?
- Can I increase my paycheck next month?
- How much have I spent on software?
How much can I safely pay myself this month?
You can safely take $6,240 this month.
Based on $18.5k revenue, $5.2k expenses, a 22% tax reserve, and 1 month of runway kept as a buffer.
Why is it $420 higher than last month?
Two new retainers cleared this week (+$3,000) and your software spend dropped $180. Your tax reserve absorbed most of it, and the rest lifted your safe pay.
Always know why your Owner’s Pay changed
Instead of a number that mysteriously moves, Cashflowy explains it. Tap any reason to see what shifted this cycle.
Revenue increased
Two new retainer invoices posted this week, lifting your safe pay after taxes and buffer.
Human bookkeepers included
AI handles the routine work — categorizing, reconciling, and forecasting. When you want a second set of eyes, a real bookkeeper is one message away. No extra fee, no upgrade.
- Unlimited chat
- Unlimited meetings
- Included with every plan
- No additional fee
“The consultations and support have made me more confident in managing my business finances.”
Todd Threats · ConsultantWhy Cashflowy is different
Most tools help you record what happened. Cashflowy tells you what you can safely do next.
| Capability | Cashflowy | QuickBooks | Spreadsheets |
|---|---|---|---|
| Safe Owner’s Pay calculation | |||
| Real-time updates | |||
| AI financial coach | |||
| Human bookkeeper included | |||
| Automatic bookkeeping | |||
| Built for solopreneurs |
See how solopreneurs pay themselves with confidence
“The bank asked for a P&L. I exported one in a click. That was the whole conversation.”
Zahra Adloo
Licensed Therapist
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 Owner’s Pay?
Owner’s Pay is the money you take from your business for personal use. For most solopreneurs it’s an owner’s draw or distribution rather than a W-2 salary.
How often should I pay myself?
There’s no single schedule that works for everyone — many solopreneurs pay themselves monthly or twice a month. Cashflowy continuously updates your recommended Owner’s Pay, so you can pay yourself with confidence whenever it makes sense.
Is Owner’s Pay different from salary?
Yes. A salary is paid through payroll with taxes withheld. Owner’s Pay is typically an owner’s draw or distribution, so setting aside money for taxes is especially important.
Does Cashflowy calculate Owner’s Pay automatically?
Yes. As your bookkeeping stays up to date, Cashflowy automatically recalculates your recommended Owner’s Pay based on your latest business finances.
Does Owner’s Pay account for taxes?
Yes. Cashflowy accounts for your tax reserve before calculating what’s safe to pay yourself.
What if my income changes every month?
Cashflowy is built for businesses with changing income. As your revenue, expenses, tax reserve, and cash flow change, your recommended Owner’s Pay updates automatically.
Can I change my reserve percentages?
Yes. You can adjust your tax reserve and safety buffer settings to match your business and goals, and Cashflowy uses those settings when calculating your recommended Owner’s Pay.
Why is my Owner’s Pay different from my bank balance?
Your bank balance doesn’t account for upcoming expenses, taxes, or the cash your business needs to operate. Cashflowy calculates your recommended Owner’s Pay from your current financial data, helping you avoid paying yourself money your business still needs.
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 →