Cashowa
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Free personal and business finance app
Know what your business really keeps — and where your own money goes.
One app, two sides. Upload a statement and Cashowa shows your real margin after ad spend, suppliers and fees — and, on the personal side, your spending, net worth and the subscriptions you forgot about. No bank login, any bank in the world.
No credit card · No bank login · Works with any bank in the world
Revenue, real margin, top costs and next month's cash — per business.
A real Cashowa screen. Figures are from a demo account.
Any bank, any country
CSV or PDF statement
No bank login
You choose what to share
Every number computed
Never guessed by AI
iPhone and web
Free forever, no card
Built for the hustle — and the household
Whether it's a dropshipping store, a market stall, freelance work, a small shop — or just your own money — upload one statement and every screen below fills in.
Profit, not revenue
See what's actually left after ads and suppliers
Revenue is the flattering number. Cashowa splits out cost of goods, ad spend, shipping, fees and refunds, then shows the margin underneath — so you find out you're at 20%, not the 60% the product price implied.
- Revenue, operating costs and net profit side by side
- Top costs and top suppliers ranked by what they actually took
- Monthly burn or monthly net, whichever you're doing
Next month, before it happens
Know if you can afford to scale ads — before you spend
Cashowa projects your cash forward from your own trading history and shows a range, not a single confident lie. Download it as a spreadsheet when a lender, an accountant or a partner asks.
- 3, 6 or 12 months projected from your real numbers
- A widening range, because further out is genuinely less certain
- Runway from the burn you're actually sustaining
- One-click CSV export
Your money, not just the business
The other half of your finances, in the same app
Flip the toggle and it's your own money: what you're worth, where it actually goes, and the recurring charges quietly renewing in the background. Nothing crosses over — your grocery shop never lands in your margin.
- Net worth, spending by category and top merchants
- Subscriptions you forgot about, found automatically
- Budgets, savings goals and a step-by-step plan
- Free forever — the whole personal side costs nothing
Caps that hold
Stop ad spend eating the month before you notice
Set a monthly ceiling on advertising, cost of goods, shipping — whatever runs away from you — and watch it fill against real spend as the month goes. Separate from your personal budgets, so neither distorts the other.
- A limit per cost category, tracked against real transactions
- Resets on the calendar month, like your ad accounts do
- Free — budgets never use credits
AI visibility
Do AI assistants recommend you? Now you'll know
More people ask an assistant for a recommendation than read page two of Google. Cashowa asks the questions your customers would actually type, then reports whether you came up, who got named instead, and which sources the answer leaned on — because those sources are the map to getting listed.
- Five real buying-intent questions, not your business name
- The businesses named instead, and the sites that got cited
- A ranked list of where to get listed to change it
You vs them
See exactly where rivals are beating you
Name up to three competitors and Cashowa scores their sites on the same criteria as yours, so the numbers actually compare. It shows what they do better, what you do better, and the single thing worth copying — and it tracks your own scores every time you re-run, so you can watch the gap close.
- Findability, converting and trust, side by side
- What to copy from each — specific, not 'improve SEO'
- Your own scores charted over every audit you've run
Whatever your hustle looks like
One statement in, and Cashowa works the same whether you're shipping orders, taking bookings, invoicing clients or running a counter.
Side hustles
Dropshippers
Freelancers
Solo founders
Small shops
One account, two sides
Your business money and your own money, properly separate
One toggle switches between them. A business statement never lands in your personal dashboard, and your grocery shop never shows up in your margin. Run more than one hustle? Each business gets its own dashboard, budgets, forecast and chat.
Try it freeAsk your numbers anything
A chat that reads your real transactions — and answers about funding readiness, margin and where the money is going, with the math shown.
- What's my runway, and what's driving the burn?
- Which costs grew fastest over the last three months?
- Am I ready to apply for funding? What would a lender want?
- Where's the biggest opportunity to improve margin?
Every figure it quotes is computed from your own statements — expand any number to see the calculation.
Or hand it to the analyst
A fast plain-language audit that finds leaks and quick wins — or Analyst Pro, a document-driven engagement that produces requirements docs, business cases and forecasts you can hand to a bank.
Quick analysis
Plain-language for side hustles and small businesses: profit leaks with the dollar impact, quick wins for this week, growth ideas, and a website audit.
Analyst Pro
A full, document-driven engagement: upload your numbers and get requirements, process maps, forecasts, a costed business case, and ready-to-paste website fixes.
And your personal money, too
The same app tracks your own finances — free forever. Most people start on one side and end up using both.
Spending & net worth
Where your own money goes by category and merchant, and what you're worth over time.
Budgets & goals
Monthly limits per category, savings targets, and honest progress against both.
Subscription finder
Catches the recurring charges you forgot about — plus 68+ guides on how to actually cancel them.
Planner & bill negotiator
A step-by-step plan toward a goal, and AI-drafted emails to cut your bills.
Two minutes to your first number
No bank login. No manual entry.
- 1
Create a free account
No credit card, no trial timer.
- 2
Add your business, upload a statement
Export a CSV or PDF from your bank — any bank, any country — and drop it in. Cashowa categorises every row for you.
- 3
See your real margin
Profit, top costs, top suppliers and a forecast, all populated. Ask the chat anything from there.
What people are saying
Early users running real businesses and real money decisions through Cashowa.
I asked it to find leaks in my agency and it pointed at three things I'd been ignoring for months. The audit took five minutes — and I could click every number to see how it got there.
Marcus T.
Agency owner
Finally a money app that shows me where the numbers come from. I click any figure in the chat and the math expands. Nothing feels hand-wavy.
Ada O.
Software engineer
I used to avoid looking at my bank statements. Now I upload a CSV once a month and Cashowa just tells me what changed and where I'm leaking.
Priya R.
Project manager
It built me a 5-year plan to buy my first place. The action steps were specific — not 'save more', actual amounts and dates tied to my real income.
Daniel L.
Product designer
The website audit on top of the business analyst is the unfair advantage. It flagged four conversion issues my agency had missed.
Sandra K.
Founder, e-commerce
I asked about my freelance taxes for last quarter. It pulled the right numbers from my uploaded CSVs and gave me an honest answer — with the calculation right there.
Jaime V.
Freelance writer
Questions people ask first
Do I have to connect my bank account?
No — and that's the point. You upload a statement your bank already gives you, as CSV or PDF. Cashowa never asks for your banking login, so there's no credential to leak and nothing to revoke.
Does it work with my bank? I'm not in the US.
Yes. Because it reads a statement rather than plugging into a bank API, it works with any bank in any country — including banks no aggregator supports. If your bank can export a statement, Cashowa can read it.
Can I keep my business and personal money separate?
They're separate by default. A toggle switches between your personal finances and each business you add, and a business statement never touches your personal dashboard. If you run more than one hustle, each gets its own dashboard, budgets, forecast and chat.
Is the AI making these numbers up?
No. Every figure comes from a calculation over your own transactions, and the forecast is plain arithmetic with no model involved at all. When the AI quotes a number in chat you can expand it and see the math it ran.
What does it cost?
Tracking, dashboards, cash flow, budgets and the forecast are free forever, with no card. Credits only pay for the AI work — the analyst, chat and negotiator — and free accounts start with credits to try them.
My bookkeeping is a mess. Is it too late?
That's the normal starting point. Upload the last few months and you'll have a picture in a couple of minutes — Cashowa categorises the rows for you rather than asking you to tag anything by hand.
Find out what your hustle actually makes
Upload one statement and see real margin, top costs and next month's cash. Free forever, no card, no bank login.