Question 1

Is Cashflowy actually built for someone like me?

Accepted Answer

If you're a service provider — coach, consultant, freelancer, therapist, practitioner, trainer, or creative — in the US, you're exactly who this was built for. Not enterprise companies, not e-commerce, not startups or physical stores. The dashboard, the tax tracking, and the owner's pay calculator all assume you're running the business and wearing every hat.

Question 2

I'm not a numbers person. Do I need to understand accounting to use this?

Accepted Answer

No. If you can log into your bank app, you can use Cashflowy. You connect your accounts (about 2 minutes) and the system handles the categorization, the math, and the tax estimates. If you get stuck, a real human bookkeeper is included in your plan.

Question 3

I already check my bank balance. Why do I need something else?

Accepted Answer

Your bank balance shows what's in the account right now. It doesn't show how much is profit, an estimate of what you'll owe in taxes, or how much is safe to pay yourself. Cashflowy shows you what's actually happening.

Question 4

Is my financial data safe with you?

Accepted Answer

Yes. Your data is encrypted with AES-256 at rest and TLS 1.3 in transit, and bank connections run through Plaid — the same infrastructure used by Venmo and major financial apps. Your identity, business name, and personal details are never exposed, sold, or shared with any third party. We never sell user data, and we never share financial information with companies like OpenAI.

Question 5

What does Clara AI, the AI financial coach, actually do?

Accepted Answer

Clara AI answers questions about your business using your real financial data, not generic advice. Ask her things like: “How much did I spend on software last year?” “Why was last month's profit lower than April?” “How do I save on taxes?” She pulls from your actual transactions and dashboard — think of her as the layer between your numbers and a decision, so you're not interpreting reports on your own.

Question 6

What's included in $39/month?

Accepted Answer

Everything. One plan, one price. That includes: A human bookkeeper with unlimited calls and 24-hour response; Real-time finance dashboard; AI financial coach (Clara AI); Owner's pay calculator; Automatic categorization; Cashflow tracking; Estimated tax tracking with monthly calculations No tiers, upsells, or “premium features.” Plus a 30-day money-back guarantee if it's not for you.

Question 7

How does $39/month compare to what I'm paying now?

Accepted Answer

Traditional bookkeepers charge $300–500/month, and even with software you're often left doing a lot of the work yourself. Cashflowy is $39/month, all in — automated bookkeeping plus real human bookkeeper access when you need it, at no extra charge. If it's not for you, there's a 30-day money-back guarantee.

Question 8

Is there a contract? Can I cancel anytime?

Accepted Answer

No contract. Cancel anytime — no cancellation fees.

Question 9

How long does setup take?

Accepted Answer

About 6 minutes. You connect your accounts (banks, credit cards, PayPal, or any of 12,000+ institutions via Plaid), and Cashflowy pulls in your transactions and categorizes them automatically. At the end, your dashboard shows your real profit, a safe owner's pay number, and your current tax estimate.

Question 10

Can I start even if my finances are a mess?

Accepted Answer

Yes. You don't need clean records to get started. Connect your bank accounts, and Cashflowy automatically pulls your transaction history, categorizes it, estimates your taxes, calculates your owner's pay, and gets you tax-ready. If you get stuck, a real human bookkeeper is included in your plan — a real person you can live chat with in the app.

Question 11

What if I sign up and don't actually use it?

Accepted Answer

Most people abandon financial tools because they can't tell what they're looking at, so they stop opening them. Cashflowy is built so your dashboard shows what actually matters: income, expenses, profit, and what's safe to take home. If you stall, Clara AI and a human bookkeeper are both one click away. And with the 7-day free trial and 30-day money-back guarantee, there's no risk in trying.

Question 12

I tried QuickBooks and gave up. How is this different?

Accepted Answer

QuickBooks was built for accountants. Its interface assumes you know what a chart of accounts is, how double-entry bookkeeping works, and what reconciliation means. A lot of solopreneurs sign up, get overwhelmed, and stop opening it. Cashflowy is built the other way around — for the person running the business, not the person doing the books. In minutes you're looking at your real profit, your real expenses, and how much you can safely pay yourself. No accounting knowledge required, and if you get stuck you can talk to a human bookkeeper.

Question 13

How can you include a real bookkeeper for $39/month? That sounds too good to be true.

Accepted Answer

Traditional bookkeepers charge $300–500/month, and even with software there's still a lot of manual work. Cashflowy automates most of that through AI, so our human bookkeepers can focus on the edge cases — account questions, anything Clara AI can't resolve, and making sure the AI is trained correctly on your business. That's how human bookkeeper access is included at $39/month, with unlimited calls and a 24-hour response time.

Question 14

What does “human bookkeeper included” actually mean? What will they do for me?

Accepted Answer

Every person on our support team is a real human bookkeeper. You can live chat with them in the app Monday–Friday 6am–8pm and Saturdays 9am–2pm ET, and book unlimited private calls at no extra charge. They're there for edge cases, account questions, anything Clara AI can't resolve, and making sure Cashflowy is trained correctly on your business.

Question 15

What if I need help with something Cashflowy doesn't cover?

Accepted Answer

If your question is beyond what your bookkeeper can answer — say, complex tax strategy or business-entity structuring — we'll tell you directly and point you to the right kind of professional. And if you're not sure Cashflowy fits your situation, you can book a free call with a bookkeeper to talk it through. No pressure, no sales pitch — just a helpful bookkeeper.

Question 16

How do I know how much I can pay myself?

Accepted Answer

Cashflowy's owner's pay calculator shows your safe take-home in real time — after revenue, expenses, and estimated taxes. It updates as money moves, so you're not guessing what's safe to pay yourself.

Question 17

Do I still need a CPA at tax time?

Accepted Answer

For filing your return, most service providers still work with a CPA or tax preparer — and Cashflowy makes their job dramatically easier (and often cheaper), because your books are already clean and your reports are done. You can invite your tax preparer into your account to download your reports and review your books. Some customers report their CPA bills dropped because there was nothing to “clean up” before filing.

FAQFrequently Asked Questions

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