Cashflowy - Cash Flow Tracker

Replace your bookkeeper with AI for $39/month

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Updated Jul 2026 · Added Jun 2026

cashflowy.ai

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What is Cashflowy?

Cashflowy is an AI-powered bookkeeping platform designed for solopreneurs and service providers who want to replace expensive traditional bookkeeping solutions. It automatically connects to 12,000+ banks, tracks real-time profit and cash flow, and includes a human bookkeeper plus AI financial coach (Clara) for guidance on owner's pay, tax planning, and financial decisions. The platform replaces the need for QuickBooks, spreadsheets, and expensive bookkeepers - all for $39/month with 15-minute setup.

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Key Features of Cashflowy

Real-time dashboard with income, expenses, cash flow, and profit
Automatic bank connection to 12,000+ banks
Profit First account labels
AI financial coach (Clara) for instant financial guidance
Owner's pay calculator
Real-time tax estimate tracking
Human bookkeeper support included
Auto bank reconciliation
90-day financial forecast
Client invoicing and billing
Profit trends and business health analysis

Who Should Use Cashflowy?

Solopreneurs managing multiple bank accounts wanting single financial overview

Service providers calculating safe owner's pay each month

Freelancers and consultants tracking profit and expenses without spreadsheets

Business owners preparing for tax season with real-time estimates

Courts and service providers comparing Profit First methodology

Cashflowy: Pros & Cons

✓Pros

15-minute simple setup
$39/month all-inclusive pricing vs. $300-500/month for traditional bookkeeper
Human bookkeeper support built in with 24-hour response time
AI financial coach available 24/7 for instant answers
Automatic bank reconciliation with no manual entry
Real-time profit visibility and owner's pay calculations
Tax set-asides update with every transaction
Bank-level security
30-day money-back guarantee
Cancel anytime with no long-term contract

✕Cons

US businesses only
No FAQ answers provided on page for common objections like "Can it replace my bookkeeper?" and "Is my data safe?"
Requires bank account connections (works with 12,000+ banks but may exclude some)

Frequently Asked Questions about Cashflowy

Does Cashflowy work with my bank?

Cashflowy connects to over 12,000 banks, so most US banks and credit unions are covered. If your bank is not in that network, check their integration list before signing up, since some smaller or regional institutions may not be supported.

Can I use Cashflowy if I'm outside the US?

No. Cashflowy is built for US businesses only, so it will not work for solopreneurs or service providers operating in other countries.

What happens to my data if I cancel my subscription?

Cashflowy does not publish details about data retention after cancellation on their public pages. Contact them directly before you commit to the platform if this is a concern for your workflow.

Can Cashflowy calculate my quarterly tax payments automatically?

Cashflowy tracks real-time tax estimates and automatically updates tax set-asides with every transaction, so you always know what you owe. The AI financial coach, Clara, can also guide you on tax planning decisions, though you should verify final estimates with a tax professional.