Never be surprised by taxes
Cashflowy automatically tracks your estimated Tax Reserve as your business changes — so you always know how much you’ve reserved for taxes.
$14,820
+$2,410 this month
Estimated Tax Reserve, cumulative this year
Automatically updated as your business changes
7 day free trial · Human bookkeepers included · Cancel anytime
The tax surprise happens slowly
Tax stress rarely comes from one bad decision. It comes from not tracking your tax savings consistently throughout the year.
January
“Great month.”
February
“I’ll save for taxes later.”
March
“Business is going well.”
April
“I wasn’t expecting that tax bill.”
You shouldn’t have to wonder if you’ve saved enough.
Watch your Tax Reserve update automatically
No spreadsheets. No manual calculations. Everything updates as your books stay current.
Step 1
Income arrives
Bank feed captures the deposit.
Step 2
AI categorizes it
Cashflowy categorizes the transaction automatically.
Step 3
Tax Reserve recalculates
Your estimated Tax Reserve updates automatically.
Step 4
Recommendations stay current
Owner’s Pay, Tax Reserve and Cash Flow all stay in sync.
How Cashflowy tracks your Tax Reserve
Cashflowy continuously updates the estimated Tax Reserve as your business finances change — using your actual bookkeeping data, not a generic percentage of revenue.
Educational estimate. This is a working projection based on your business finances. Talk to your tax professional about your specific situation.
Ask Clara AI about your Tax Reserve
Clara AI answers in plain English using your actual financial data — no jargon, no generic tips, just the answer for your business.
- How much have I set aside for taxes?
- Why did my Tax Reserve increase this month?
- How much can I still pay myself?
- What changed since last month?
- How much did my revenue grow?
How much have I set aside for taxes?
You’ve reserved $14,820 so far this year.
Based on your current allocation settings and business activity, your Tax Reserve is on track.
What changed this month to increase my Tax Reserve?
Two large invoices posted this month while expenses stayed lower than usual, increasing your Tax Reserve.
Where does your money go?
Cashflowy sorts every dollar into clear buckets — so Tax Reserve, Owner’s Pay, and the cash left for growth all stay in balance as your business grows.
Tax Reserve is filled first. It’s set aside before Owner’s Pay is calculated, so you never accidentally pay yourself with tax money.
- Revenue$18,500
Everything that comes in
- Operating expenses$5,200
Software, contractors, tools
- Tax Reserve$2,930
Set aside for taxes
- Owner’s Pay$6,240
Safe to take home
- Available for growth$4,130
Reinvest or save
Your Tax Reserve changes as your business changes
Cashflowy watches your books and quietly adjusts your Tax Reserve. Tap a scenario to see it move.
Trigger
Revenue increases
+$5,000 in new retainers
Tax Reserve
Tax Reserve auto-increases
No recalculating. · No spreadsheets. · No guessing.
A Better Way to Stay Ready for Tax Season
Without Cashflowy
The old way
- Spreadsheets calculations
- Guessing what to save
- Manual bookkeeping
- Separate tax calculator
- Checking bank balance
- Updated once a month
With Cashflowy
The Cashflowy way
- Estimated Tax Reserve
- Automatic bookkeeping
- Automatic updates
- Clara AI explanations
- Human bookkeepers included
- Always current
Human bookkeepers included
Every plan includes unlimited access to a real bookkeeper. Ask about your reports, Tax Reserve, Owner’s Pay, or anything in your books — no upgrade required.
- Unlimited chat
- Unlimited private meetings
- Included in every plan
- No additional fee
“The consultations and support have made me more confident in managing my business finances.”
Todd Threats · ConsultantStay organized when your finances matter most
“Your tool is the only one that will connect with my Navy Federal accounts.”
Erica Steele
Holistic Doctor
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 an Estimated Tax Reserve?
It’s an estimate of how much you should set aside for taxes based on your business finances and allocation settings. It’s not your final tax bill, it’s a working reserve that helps you stay prepared throughout the year.
How often is my estimate updated?
As your bookkeeping stays up to date. As new transactions are imported and categorized, Cashflowy updates your estimated Tax Reserve to reflect your latest business finances.
How is this different from my actual tax bill?
Your actual tax bill is calculated by your tax professional or tax software using your complete tax situation. Cashflowy’s estimate is a working reserve that helps you set aside money throughout the year.
Does Cashflowy file my taxes?
No. Cashflowy doesn’t file your taxes. It keeps your bookkeeping current and helps you build an estimated Tax Reserve, making tax filing with your CPA or tax software much easier.
Can I adjust my Tax Reserve?
Yes. You can adjust your allocation settings to match how you want to reserve money for taxes. Cashflowy uses those settings when calculating your estimated Tax Reserve.
What happens if my income changes?
Cashflowy automatically updates your estimated Tax Reserve as your business changes. As your revenue and expenses change, your recommended Tax Reserve updates to reflect your latest financial picture.
Can I ask a human bookkeeper questions?
Yes. Every plan includes unlimited chat and meetings with a real bookkeeper. They can help you understand your bookkeeping, financial reports, Owner’s Pay, Tax Reserve, and other questions about using Cashflowy.
Does Cashflowy calculate my exact taxes?
No. Cashflowy provides an estimated Tax Reserve based on your bookkeeping and allocation settings. Your final tax liability depends on your complete tax situation and should be confirmed by your tax professional or tax software.
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 →