Cashflowy - 2026 Pricing, Features, Reviews & Alternatives

Cashflowy is an AI powered bookkeeping and financial management platform tailored to service oriented solopreneurs and independent contractors in the United States. The software integrates machine learning based automation with professional bookkeeper support to provide continuous financial visibility, profit centered allocation monitoring, and automated record reconciliation. Designed to streamline the bookkeeping workflow, it delivers comprehensive insights without the complexity of enterprise grade accounting systems.

The platform features a dynamic dashboard that unifies income, expense, cash flow, and profit indicators in real time as transactions are recorded. An artificial intelligence coach interacts via natural language queries and retrieves insights from account data including revenue amounts, expense categories, and recommended withdrawal thresholds based on configured allocation rules. A dedicated owners pay calculator evaluates profit, revenue, obligations, and tax reserves to determine safe withdrawal figures in accordance with established allocation parameters. Continuous tax estimation accompanies each transaction and updates projected tax obligations to reduce end of period uncertainties.

Cashflowy enforces allocation tracking aligned with profit first methodologies by labeling accounts and distributing funds automatically, thereby replacing manual spreadsheet maintenance. The service extends bookkeeper expertise through on demand support with defined response intervals and live consultation sessions included as part of the basic service. Transaction matching and categorization occur automatically through bank reconciliation routines and a ninety day forecasting module generates forward looking financial scenarios.

Integration capabilities include linkage to Relay and connectivity with over twelve thousand financial institutions in the United States via secure authentication protocols. Bank level security safeguards sensitive information and ensures compliance with industry data protection standards. A cloud based design permits access through standard web browsers and an onboarding process requires approximately fifteen minutes to configure account connections and basic preferences. All client support and bookkeeping services are conducted by personnel based in the United States.