Automated categorization for real estate agents

Cashflowy automatically sorts and categorizes transactions, even when personal and business finances are mixed in one account. It uses a real estate chart of accounts prebuilt for commissions, splits, MLS dues, lead gen, and closing gifts.

Books stay current with about 6 minutes of monthly review.

A real bookkeeper who understands real estate

Every plan includes access to a human bookkeeper you can reach for big questions. They understand real estate commissions, splits, and tax set-asides, and can help you run your books alongside a CPA if you have one.

Get answers from a professional who knows your business, not just a bot.

Know what's actually yours from each commission

The 'What's Actually Yours' calculator shows your real take-home after brokerage splits, lead gen, E&O, desk fees, and tax set-asides. It tells you what's safe to pay yourself when a commission lands.

Avoid overspending and know your true profit on every deal.

Real-time tax set-aside guidance

Cashflowy estimates taxes in real time and shows what to set aside at every closing, so you're never blindsided by a tax bill in April. It accounts for the fact that no one withheld anything from your commissions.

Tax season becomes a non-event — you've already set aside the right amount.

See slow months before they arrive

The 90-day cash-flow forecast shows what's ahead, so you can prepare for quiet stretches after a few big closings. It's built for the feast-or-famine reality of real estate income.

Plan for slow months with confidence and avoid cash crunches.

Ask questions straight from your numbers

Clara AI is a financial coach that answers everyday questions about your transactions and finances. It's available 24/7 and works alongside your human bookkeeper for quick, context-aware help.

Get instant answers without waiting for a call back.

• Real human bookkeeper + AI coach for $39/moCashflowy includes a real human bookkeeper and Clara AI financial coach in one plan. The website states most services charge $300+/month for bookkeeper access, but Cashflowy's built-in bookkeeper access is included at $39/month, with unlimited support calls, 24-hour response time, and $0 extra charge.
• Owner's pay calculator and tax estimate trackingCashflowy calculates safe owner's pay based on profit, revenue, expenses, tax set-aside, and upcoming bills. It also updates estimated tax set-aside in real time with every transaction, so you're always ready for tax deadlines. These features are listed as included in the $39/month plan, unlike QuickBooks where tax estimate tracking is an add-on.
• Fast setup and automatic bank connectionsSetup takes about 6 minutes. You connect your accounts and Cashflowy pulls transactions automatically, with no manual entry or spreadsheets. It works with Relay and 12,000+ banks, and bank connections are secured by Plaid.
• Real-time dashboard and automatic account labelsThe dashboard updates in real time as transactions come in, showing income, expenses, cash flow, and profit on one screen. Cashflowy also automatically labels accounts, a feature not offered by QuickBooks or a traditional bookkeeper according to the comparison table.

• Pricing and plan detailsThe website lists $39/month for the monthly plan and $390/year (billed annually, $32.50/month) for the annual plan. It says 'One plan. No surprises. Everything included. Cancel anytime. 30-day money-back guarantee.' However, it also states '🇺🇸 US Businesses Only' — so this is only for US businesses. There is no mention of any other pricing tiers or additional fees.
• Human bookkeeper access specificsThe site says 'A real person who knows your business. Not a chatbot.' and lists 'Live Support calls' as 'Unlimited' with 'Response time 24 hrs' and 'Extra charge $0'. But it does not specify the exact scope of bookkeeper services (e.g., whether it includes full monthly reconciliations, financial statements, or tax filing). The comparison table says 'Bookkeeper access Yes' but does not detail what tasks the human bookkeeper performs beyond support.
• Bank and integration claimsThe site says 'Works with Relay and 12,000+ banks' and 'Bank connections secured by Plaid.' It does not list any other specific integrations (e.g., PayPal, Stripe, or other accounting software). The FAQ mentions 'I already have QuickBooks / Kick / Xero. Why switch?' but does not state whether Cashflowy can import data from those tools.
• Customer testimonials and savings claimsThe site includes testimonials with specific numbers like '$4K+/yr saved vs. a bookkeeper', '$6,000/yr Saved in bookkeeping costs', '96% Saves in Admin Cost', and '8hrs/mo Back to focus on client'. These are individual customer claims and may not be typical. The site also says 'Save $3,000+ a year' in the hero section, but this is a marketing claim based on the $400/mo vs $39/mo comparison, not a guarantee.

Know Your Real Take-Home Pay

Cashflowy tracks your commission splits, brokerage fees, and tax set-asides so you always know what's actually yours after a closing. The 'What's Actually Yours' calculator shows you a real example: a $18,000 commission becomes $7,435 after a $5,400 brokerage split, $2,150 in lead gen/E&O/desk fees, and $3,015 set aside for taxes.

Set Aside Taxes Automatically

Every time a commission lands, Cashflowy tells you exactly what to put away for taxes. The real-time tax estimator removes the April surprise—no more scrambling to find money you didn't save. It's built for agents who don't have an employer withholding anything.

See 90 Days Ahead to Avoid Slow Months

Cashflowy's 90-day cash-flow forecast shows you quiet stretches before they hit. If you have three closings this month and nothing next month, you'll see it coming and can plan your spending accordingly. No more feast-or-famine panic.

Categorize Expenses the Way Real Estate Works

MLS dues, lead gen, mileage, closing gifts—Cashflowy categorizes your transactions using a real estate chart of accounts, not a generic business one. Even if your personal and business accounts are mixed, it sorts everything for you in about 6 minutes a month.

Sign up for a free account at cashflowy.ai — no credit card required for the free plan or 14-day trial.

Connect your primary business bank account via Plaid and your accounting platform (QuickBooks, Xero, etc.).

Review the automatically generated 90-day cash flow forecast — the AI model begins learning from your transaction history immediately.

Create your first what-if scenario (e.g., 'revenue down 15%') and share the dashboard with your leadership team via a shareable link.