Your bookkeeper costs $400/mo.Ours costs $39.
Get a real human bookkeeper + AI financial coach. Built for solo professionals like freelancers, realtors, consultants or coaches.
$400/ month
Human + AI Bookkeeper$39/ month
Save $3,000+ a year7 day free trial · Cancel anytime.
You're not short on money.You're overpaying to keep track of it.
A pricey bookkeeper. Software you barely open. A stack of little tools that each do one thing. For a simple business, most of it is money you don't need to spend.
Overspending on $400 bookkeeper
Premium prices for backward-looking reports. Answers that show up three days too late.
$400/mo, still guessingBarely 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 useBracing 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+ surpriseAnd 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 /moYou're overpaying because no one built a bookkeeping tool specifically for a solo business like yours.
Until now.
6 minutes to get unstuck
- 1
Connect your accounts
Cashflowy pulls your transactions automatically. No manual entry, no spreadsheets. Works with Relay and 12,000+ banks.
2 minutes - 2
See what's really going on
Your real profit. Your real costs. What you can safely pay yourself, with taxes and a buffer already set aside.
Instant - 3
Make decisions with confidence
Know what to allocate, what to pay yourself, what to set aside for taxes. Every number updates live between allocation days.
Priceless
Everything you need. Nothing you don't.
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.
Live- Support calls
- UnlimitedSupport calls
- Response time
- 24 hrsResponse time
- Extra charge
- $0Extra charge
Ask Clara AI anything about your business finances.
Clara AI 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?”
Clara AI, Your Financial CoachHey! I'm Clara AI, your financial coach.
Right now, I can help you understand your key financial KPIs.
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.
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.
$4,212Estimated tax set-aside
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.
I was moving money around and had no idea if any of it was working.
Twenty minutes on the onboarding call. Now I take my Owner's Pay every month and I don't freeze up wondering if I'm allowed to.
- trying to be profit focused
- 3 yearstrying to be profit focused
- onboarding call
- 20 minsonboarding call
- owner's pay on schedule
- Every monthowner's pay on schedule
| What you get | Cashflowy$39/mo | QuickBooks$38-200/mo | Bookkeeper$300-500/mo |
|---|---|---|---|
| Real-time dashboard | Yes | Manual | Monthly |
| Automatic account labels | Automatic | No | No |
| AI financial coach | Yes | No | No |
| Owner's pay calculator | Yes | No | No |
| Tax estimate tracking | Yes | Add-on | Quarterly |
| Bookkeeper access | Yes | Add-on | $$$/mo |
| Setup time | 6 min | Hours | Weeks |
| Monthly cost | $39 | $38-200 | $300-500 |
One tool. Every answer. $39/month.
One plan. No surprises.
Everything included. Cancel anytime. 30-day money-back guarantee.
Unlimited Plan · Annual
Real-time clarity about every dollar
$390/year(save $78)
Just $32.50/month, billed annually.
Get unlimited access to:
- Human bookkeeper
- Owner's pay calculator
- Client invoicing + billing
- AI financial coach
- Cashflow tracking
- Auto bank reconciliation
- 90-day financial forecast
US Businesses Only
Have questions? Book a free call with a bookkeeper.
From business owners who are profit-focused.
Nina SengsourichanhConsultant The perfect middle ground between spreadsheets and complex accounting software — without the cost or the hassle of managing an account. A great tool for contract work.
$4K+/yr
saved vs. a bookkeeper
Alejandra LiraPet Groomer Before, I'd look at my balance sheet and think, it was good enough — but I couldn't really tell what was going on. Cashflowy has a buffer for taxes built right in, and it handles owner's pay. It's almost too good to be true.
5-10 min week
to manage her finances
Ashlee JaneFunctional Medicine Doctor I tracked my Profit First transfers in spreadsheets. I'd been searching for a tool like this for over a year. When I logged in, my transactions were already matched. It's smarter than me.
+1 year
searching for the right tool
Common questions
Stop guessing. Start knowing.
Join thousands of service providers who finally understand their finances.
7 day free trial$0 charged todaySee in 6 minutes