Your bookkeeper costs $400/mo.Ours costs $39.

Get a human bookkeeper plus answers from your actual numbers. Built for freelancers, coaches, and consultants.

TraditionalQuickBooks + Bookkeeper

$400/ month

Human + AI Bookkeeper

$39/ month

Save $3,000+ a year

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7 day free trial · Cancel anytime.

The problem

You're not short on money.You're overpaying to keep track of it.

Overspending on $400 bookkeeper

Premium prices for backward-looking reports. Answers that show up three days too late.

$400/mo, still guessing

Barely opening QuickBooks

Built for accountants, priced for them too. You logged in twice, drowned in features you didn't need, and kept paying anyway.

$75/mo you don't use

Bracing for the tax bill

In April you find out you owe $6,200. You have $1,100 in the account. You were profitable all year. Nobody told you in time to set it aside.

$5,000+ surprise

And you still do it yourself

After an expensive bookkeeper and software, you're still the one reconciling at 11pm and getting surprised by taxes.

10+ hours /mo

You're overpaying because no one built a bookkeeping tool specifically for a solo business like yours.

Until now.

Features

Everything you need. Nothing you don't.

Human support

A bookkeeper who is profit focused

Most services charge $300+/month for bookkeeper access. Yours is built in. A real person who knows your business. Not a chatbot.

Aileen M.

Unlimited support
Usually within 24 hours
Included

AI coach

Ask Cashflowy anything about your business finances.

Cashflowy answers in seconds with data from your actual accounts. Trained to help you keep more profits. Like having a CFO who never sleeps.

“Where is most of my money going?”
“What can I safely pay myself this month?”
“Am I spending more than last month?”

How much do I need for taxes?

Tax estimate

$7,257.70

Your estimated 2026 year-to-date tax

Taxable profit estimate: $38,198.41
Tax reserve rate: 19%

This is a planning estimate, not tax advice; your final bill may differ based on deductions and your overall tax situation.

Can the business afford another $800 a month?What changed this month?

Owner's pay

Know exactly what you can pay yourself.

Cashflowy looks at your profit, revenue, expenses, tax set-aside, and your upcoming bills, then calculates what's actually safe to take as Owner's Pay this month. Based on your real allocation percentages, not a guess.

Safe Owner Pay

Aug 2025–Jul 2026

Safe to pay yourself · Aug 2026

$5,55956% of revenue

Where every $1 goesRevenue $9,914/mo · 12-mo avg

Safe Pay
$5,559 56%
Buffer
$371 4%
Expenses
$2,501 25%
Tax reserve
$1,483 15%

Tax ready

Your estimated tax amount updates in real time.

No more end of the year surprises. Cashflowy updates your estimated tax set-aside with every transaction, so you're always ready.

Tax Estimate

2026 YTD

$8,224

Estimated tax at 19%

Tax portion of revenue10%

Revenue
$83K
Expenses
$39K
Profit
$43K
After Tax*
$35K

Dashboard

Know exactly where your money is.

Income, expenses, cash flow, and profit on one screen. Your dashboard updates in real time as transactions come in. No more logging into five banks to understand your own business.

Money in vs. Money Out

Last 4 months + 3 month forecast

Profit
Money In
Money Out

See it for yourself.

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Bank-level security

Compare

Why switch to Cashflowy.

One plan that replaces your bookkeeper, your accounting software, and the guesswork.

Cashflowy compared with QuickBooks and Bookkeeper
What you get	Cashflowy$39/mo	QuickBooks$38-200/mo	Bookkeeper$300-500/mo
Real-time dashboard	Yes	Manual	Monthly
answers from your actual numbers	Yes	No	No
Owner's pay calculator	Yes	No	No
Tax estimate tracking	Yes	Add-on	Quarterly
Bookkeeper access	Yes	No	$$$/mo
Setup time	6 min	Hours	Weeks
Monthly cost	$39	$38-200	$300-500