# Cashflowy

According to OpenAITools.app telemetry verified on 2026-11-11, Cashflowy (cashflowy.ai) is an AI platform indexed under AI Accounting generating 4.4K monthly visits with a month-over-month traffic delta of -1.93K (-30.5%). Its primary geographic market is United States (62.1% traffic share), and it operates on a Freemium, Paid pricing model. Top competing alternatives by monthly volume include Tabby: AI Bookkeeper (31.64K visits/mo), Zeni (42.28K visits/mo), Jupid - AI Accountant (43.45K visits/mo).

AI bookkeeping for solo business owners, with a human bookkeeper included

## Key Telemetry & Specifications

| Metric | Value |
| :--- | :--- |
| Tool Name | Cashflowy |
| Handle | cashflowy |
| Status | active |
| Origin | independent |
| Maintenance | active |
| Official Domain | cashflowy.ai |
| Website URL | https://www.cashflowy.ai |
| Categories | AI Accounting, AI For Finance, AI Tax Assistant |
| Pricing Model | Freemium, Paid |
| Monthly Visits | 4,400 |
| MoM Traffic Change | -1,927 |
| MoM Growth Rate | -30.5% |
| Primary Market | United States |
| Market Share | 62.1% |
| Direct Visits | 1,701 |
| Organic Search Visits | — |
| Social Visits | — |
| Referral Visits | 458 |
| Email Visits | 215 |
| Review Score | 4.1 |
| Saved Count | 1 |
| Supported Platforms | Website |
| Billing Platforms |  |
| Attributes | Features: Website |
| Tags | ai accounting software, ai bookkeeping software, freelancers, self-employed |

## Overview

Cashflowy is a bookkeeping service aimed squarely at U.S. solopreneurs, freelancers, and one-person LLCs. Rather than presenting a raw ledger, it answers the questions owners actually ask: How much came in, how much is already spoken for, what should be set aside for taxes, and what is genuinely safe to pay myself this month. Setup is designed to take minutes: you connect checking accounts, credit cards, PayPal, Stripe, and other sources, and Cashflowy sorts income and spending into business versus personal, asking you to clarify anything ambiguous.

The product layers planning tools on top of that bookkeeping core. It shows a tax estimate with a recommended set-aside rate, a 90-day cash-flow forecast, spending breakdowns by category, and a "safe owner pay" figure derived from revenue minus expenses, buffer, and tax reserve. Because everything is presented in plain language rather than debits and credits, it is usable by owners who have never studied accounting.

Pricing starts at a monthly subscription that includes a human bookkeeper reachable by message, which is unusual at this price point. An optional add-on covers filing 2026 business and personal returns, and the site advertises a free trial plus a 30-day money-back guarantee. Bank connections run through Plaid with read-only, encrypted access.

## Pricing & Plans

Subscription-based: roughly $39/month billed monthly, or $390/year (about $32.50/month) billed annually, which saves two months. A 7-day free trial is offered, with $0 charged up front and a 30-day money-back guarantee. Tax filing for 2026 returns is an optional paid add-on.

## Key Features & Capabilities

- **Automated bookkeeping with business/personal sorting:** Connect checking accounts, cards, PayPal, Stripe, and similar sources; Cashflowy categorizes each transaction as business or personal and asks you when something is unclear.
- **Safe owner pay calculation:** A running figure showing what you can actually take home after expenses, a cash buffer, and the tax reserve are accounted for, so you stop guessing before you pay yourself.
- **Tax set-aside and estimate:** Cashflowy estimates year-to-date tax liability, recommends a reserve rate as a percentage of revenue, and keeps that money visually separate from spendable cash.
- **90-day cash-flow forecast:** A forward-looking chart of money in versus money out, so you can see upcoming pressure points before they arrive.
- **Human bookkeeper included:** Message a real bookkeeper from inside the product at no extra charge, typically with a response time measured in minutes during support hours.

## Primary Use Cases

- **Stopping tax season from becoming a surprise (Freelancer or consultant):** Set aside the right percentage as revenue lands, so quarterly and annual tax bills are already funded instead of financed.
- **Deciding whether the business can afford a new expense (Solo LLC owner):** Ask whether hiring a contractor or adding software fits the numbers, and see the answer reflected in projected cash flow before committing.
- **Paying yourself without draining the business (First-time business owner):** Use the safe owner pay figure to draw a salary that leaves taxes and operating buffer intact.
- **Cleaning up a messy financial picture (Owner with mixed accounts):** Connect the accounts you actually use today and let Cashflowy separate personal from business spending rather than requiring clean books first.

## Strengths

- Answers practical cash and tax questions in plain English rather than exposing accounting jargon
- A human bookkeeper is included at a solo-friendly price point, which is rare for services in this range
- Setup is fast and does not require you to clean up existing books before starting
- Bank connections use read-only, encrypted access through Plaid

## Limitations

- Designed around U.S. business owners and U.S. tax rules, so it is not suitable outside that context
- It is a bookkeeping and planning service, not a full tax advisory practice; a CPA is still useful for tax strategy
- Keyboard-level accounting customization is limited compared with traditional general-ledger software

## Frequently Asked Questions

### Do I need to understand accounting to use Cashflowy?
No. You ask questions the way they occur to you — can I pay myself, how much do I owe in taxes, where did the money go — and Cashflowy handles the underlying bookkeeping and answers in straightforward language.

### Can I start if my personal and business money are mixed?
Yes. You connect the accounts you already use and Cashflowy helps sort what belongs where, asking you when a transaction needs your input. There is no requirement to clean things up first.

### Does it replace my CPA?
Not necessarily. Cashflowy can run alongside your existing accountant or tax professional. It handles ongoing bookkeeping and in-month decisions, while a tax professional typically handles tax strategy and filings.

### How much does Cashflowy cost?
The site lists about $39 per month billed monthly, or $390 per year billed annually, with a 7-day free trial, no charge up front, and a 30-day money-back guarantee.

### What is Cashflowy's monthly traffic and growth trend?
Cashflowy currently receives 4.4K monthly visits, with a month-over-month traffic change of -1.93K (-30.5% growth rate). Its primary source market is United States (62.1% share), including 1.7K direct visits/mo and — organic search visits/mo.

### Is Cashflowy free? What is its pricing model?
Cashflowy operates on a Freemium, Paid pricing model. Subscription-based: roughly $39/month billed monthly, or $390/year (about $32.50/month) billed annually, which saves two months. A 7-day free trial is offered, with $0 charged up front and a 30-day money-back guarantee. Tax filing for 2026 returns is an optional paid add-on. Supported billing and checkout platforms include: not listed.

### What are the best Cashflowy alternatives in 2026?
Based on OpenAITools.app category traffic and feature fit, the top five alternatives to Cashflowy are: 1. Tabby: AI Bookkeeper (31.64K visits/mo); 2. Zeni (42.28K visits/mo); 3. Jupid - AI Accountant (43.45K visits/mo); 4. Kick (78.99K visits/mo); 5. Trezy (18.45K visits/mo).

### Which platforms and core AI capabilities does Cashflowy support?
Cashflowy is classified under AI Accounting, AI For Finance, AI Tax Assistant, supports the following platforms: Website, and its core capability tags include: ai accounting software, ai bookkeeping software, freelancers, self-employed.

## Alternatives

| Tool Name | Monthly Visits | Pricing Model | Compare |
| :--- | :--- | :--- | :--- |
| [Tabby: AI Bookkeeper](https://openaitools.app/tool/tabby-ai-bookkeeper) | 31,635 | Freemium, Free Trial | [Compare](https://openaitools.app/compare/cashflowy-vs-tabby-ai-bookkeeper) |
| [Zeni](https://openaitools.app/tool/zeni-ai) | 42,278 | Paid, Contact for Pricing | [Compare](https://openaitools.app/compare/cashflowy-vs-zeni-ai) |
| [Jupid - AI Accountant](https://openaitools.app/tool/jupid-ai-accountant) | 43,452 | Paid | [Compare](https://openaitools.app/compare/cashflowy-vs-jupid-ai-accountant) |
| [Kick](https://openaitools.app/tool/kick) | 78,993 | Free | [Compare](https://openaitools.app/compare/cashflowy-vs-kick) |
| [Trezy](https://openaitools.app/tool/trezy) | 18,445 | Free Trial, Paid | [Compare](https://openaitools.app/compare/cashflowy-vs-trezy) |
| [ReceiptsAI](https://openaitools.app/tool/receiptsai) | 38,541 | Freemium | [Compare](https://openaitools.app/compare/cashflowy-vs-receiptsai) |
| [Bookeeping.ai (Paula AI)](https://openaitools.app/tool/ai-bookkeeping) | 9,756 | Free Trial | [Compare](https://openaitools.app/compare/ai-bookkeeping-vs-cashflowy) |
| [Accountable](https://openaitools.app/tool/accountable-de) | 243,113 | Freemium | [Compare](https://openaitools.app/compare/accountable-de-vs-cashflowy) |
| [Receiptor.ai](https://openaitools.app/tool/receiptor-ai) | 33,601 | Paid, Contact for Pricing | [Compare](https://openaitools.app/compare/cashflowy-vs-receiptor-ai) |
| [Fortune](https://openaitools.app/tool/fortune) | 1,101 | Paid | [Compare](https://openaitools.app/compare/cashflowy-vs-fortune) |
| [Digits](https://openaitools.app/tool/digits-accounting-reimagined) | 54,704 | Free Trial, Paid | [Compare](https://openaitools.app/compare/cashflowy-vs-digits-accounting-reimagined) |
| [cc:Monet](https://openaitools.app/tool/cc-monet-home) | 11,979 | Contact for Pricing | [Compare](https://openaitools.app/compare/cashflowy-vs-cc-monet-home) |

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Source: https://openaitools.app/tool/cashflowy