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.
