AI business analyst
Find out where your business is quietly losing money
Cashowa goes through your numbers and your storefront, finds what's leaking, and works through the fixes with you — ranked so you know what to tackle first, in plain English, with the maths shown for every figure. Adding your business is free.
This is what you actually get
Real screens from the app, filled in from one uploaded statement. No mockups, no dashboards that only exist in the marketing.
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 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
Everything in one place
Your whole business on one screen
Revenue, costs, margin and the month's movement, updated the moment a statement lands. It's the screen you check on a Monday morning instead of opening three tabs and a spreadsheet.
- Built from your real transactions, not manual entry
- Business kept completely separate from your personal money
- Works from any bank — CSV or PDF, no bank login
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.
- A limit per cost category, tracked against real transactions
- Resets on the calendar month, like your ad accounts do
- Separate from personal budgets, so neither distorts the other
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
Most owners know something's off. Few know exactly what.
You can feel that the margin is thinner than it should be, or that the ads aren't paying for themselves — but pinning it to a number takes hours you don't have. Cashowa does that part, then stays with you for the fixing.
Find the money leaking out
Unused subscriptions, ads that never convert, shipping you under-charge for, low-margin lines. Each one named, with a figure against it.
Know what to fix first
Every action scored on impact and effort and laid out on a grid, so the biggest win for the least work is obvious instead of buried in a list of twelve.
Get your storefront audited
Findability, conversion and trust — scored and explained. No website? It audits your Etsy, Amazon or Shopify shop instead.
See what's actually coming
Cash flow projected from your real statements, with your runway in months and the trend that got you there.
Understand your real margins
What one sale leaves you after cost of goods and what it cost to win the customer — compared against what your kind of business should run at.
Have it check again every quarter
On Pro, Cashowa re-audits every 90 days and writes up what improved, what slipped, and what to do next.
See what yours is losing
Add your business free and run the audit that puts a number on every leak.
Three steps, about ten minutes
No bank linking, no integrations to set up, no onboarding call.
- 1
Tell it about your business
Pick your business type, add a few figures — revenue, costs, average order, ad spend. Rough numbers are fine, and you can skip what you don't track.
- 2
Point it at your shop
Your website, or your Etsy, Amazon or Shopify storefront. Upload a bank statement too and it works from your real transactions.
- 3
Get the report
Leaks, pricing, channels, margins and a prioritised 30/60/90 plan. Download it as a PDF or ask follow-up questions in chat.
Every number shows its working
The fair objection to AI near your money is that it might simply make things up. Cashowa is built so it can't: every figure in your report comes from a computation, and tapping it shows you the formula, the inputs and the result. If a calculation didn't produce it, it doesn't appear.
revenue 8,400 − costs 5,208 = 3,192
That's a 38% margin — and you can see exactly how it got there.
Built for the business you actually run
A Shopify store and a coffee shop both write “retail” and need completely different advice. Cashowa asks which one you are before it says a word.
Shopify & e-commerce
Margins, ad spend, cart abandonment and the app subscriptions quietly stacking up.
Etsy & marketplace sellers
No website needed. Cashowa audits the storefront your customers actually see.
Cafés & local shops
Footfall, covers, wastage and supplier costs — advice written for a physical business, not a SaaS.
Agencies & freelancers
Pricing, utilisation and which clients are actually worth keeping.
Stop guessing at your own numbers
Adding your business is free. The analysis starts on Starter, and you can cancel any time.
Questions people ask first
Do I have to connect my bank?
No. Cashowa never asks for your banking login. You upload a CSV or PDF statement, or just type in a few figures — whichever you're comfortable with.
I don't have a website. Does it still work?
Yes, and this is the case it was built for. Point it at your Etsy, Amazon, Shopify or Instagram shop and it audits that instead — for most small sellers the storefront is the website.
What does it cost?
Adding your business and filling in its details is free. Running the analysis starts on Starter at $6/month, which covers roughly two full audits with a website crawl each month. Pro at $10/month adds document-driven engagements and an automatic quarterly review. Cancel any time.
How is this different from my accountant?
Your accountant tells you what happened and keeps you compliant. Cashowa tells you what to do next — where margin is leaking, which channel is underperforming, what to change this month. It isn't a replacement, and it doesn't file anything for you.
Is my data used to train anything?
No. Your figures are used to produce your reports and nothing else. You can export everything or delete your account at any time.
Your first audit is ten minutes away
Find the leaks, get the list, fix the biggest one this week.