cashwise - 2026 Pricing, Features, Reviews & Alternatives

Managing cash flow is the difference between a business that survives and one that doesn't — but most small business owners don't have the tools to see it clearly. Accountants are expensive. Spreadsheets are manual. And every major cash flow tool on the market requires QuickBooks, Xero, or another accounting software you may not use.

Cashwise is built for the gap: small businesses with 1 to 10 employees who manage their finances on a bank account and gut instinct, and need to know if the money will be there when it needs to be.

How it works

Export a CSV from your business bank account — Chase, Bank of America, Wells Fargo, and most other major banks support this in under two minutes. Upload it to Cashwise. That's it.

Cashwise automatically reads your transaction history, categorizes your income and expenses using AI, identifies your recurring patterns, and generates your forecast. No setup. No integrations. No accounting software required.

What you get

- A 13-week week-by-week cash flow projection so you can see if you'll have enough to cover payroll, vendor payments, or a slow month before it happens

- A 12-month forecast for businesses with 9 or more months of transaction history, including seasonal pattern detection

- Automatic identification of your biggest revenue sources and expense patterns

- Risk flags when your business is too dependent on one or two clients for income

- A what-if scenario panel to model changes before you make them

- A Schedule C expense summary for tax season

- AI-generated plain-language insights that explain what your numbers mean

Who it's for

Cashwise works best for trades contractors, restaurants, retail shops, service businesses, and solo professionals who know cash flow matters but don't have the time, staff, or accounting infrastructure to track it properly. If you've ever found yourself wondering whether to take on a new job, pay a supplier early, or make a hire — and didn't have a clear answer — Cashwise gives you that answer in minutes.

Your data stays private

Your bank data is never stored or saved. Cashwise uses it to generate your forecast, then it's gone.

Free to try

Upload your bank CSV and see your forecast with no account required.