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Features
A complete money tracker — dashboard, budgets, net worth, reports, and goals — free forever. Bring in AI for plans, answers, and bill negotiation only when it's worth it.
No card, no trial. Everything here is computed from your own data and never costs a credit.
Net worth, this month's spending, and income vs. expense — your whole financial life on one screen.
Where your money goes by category, merchant, and trend — month, quarter, or year.
A monthly limit per category, tracked against your real spending with progress bars.
Assets minus debts, charted over time. No bank linking — you stay in control.
Set targets and watch your progress fill in on the dashboard and planner.
Spots recurring charges in your transactions so you can cancel what you don't use.
Three steps, no spreadsheets.
Fill a short form (income, expenses, goals) or just upload a bank statement — CSV or PDF, no bank linking. The more you share, the sharper Cashowa's answers get.
Chat, plan, or audit. Cashowa picks the right tools — calculator, transaction query, web fetcher — and runs them for you.
Hover any figure to see the formula and inputs. Save the plan, download the report, or come back tomorrow with new numbers.
The AI features run on credits — your free credits to start, then a plan if you want more. They share context, so what you say in chat shows up in your plan.
Ask anything: 'Can I afford a car?', 'Where am I leaking money?', 'What's my emergency fund target?'. Numbers come with citations.
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Set goals — buying a home, retiring early, changing careers — and get a step-by-step action plan with milestones and projections.
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Upload a bank statement — CSV or PDF. Cashowa categorises every transaction and shows you spending by month, quarter, year, and category.
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Submit your business profile — and your website URL — for a full audit: financial leaks, ops to fix, plus an SEO + conversion + trust report. Opt in to auto-reviews every 90 days.
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Three features that go beyond answering — Cashowa acts on your behalf.
Point Cashowa at your internet, phone, insurance, streaming, or energy bill. It researches your provider, finds 2–3 cheaper competitors live, drafts a retention call script, and writes the cancellation email.
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Scans your uploaded transactions to surface every recurring charge — weekly, monthly, quarterly, yearly. Flags 'stale' subscriptions where a charge was expected and didn't arrive, so you can spot trials that auto-cancelled or merchants that quietly raised prices.
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Toggle on per business and Cashowa re-audits you every 90 days — automatically. The follow-up report includes a quarter-over-quarter narrative: gross margin shifts, channel performance changes, what improved, what slipped. Starter / Pro.
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Cashowa is an agentic system, not a wrapper around an LLM.
Build a plan, track cash flow, and ask money questions in plain English.
Mix personal and business finances. Cashowa keeps both straight.
Get an analyst report on your operations and a website audit on top.
Plan around two income streams; spot leaks before they grow.
Every row is row-level-secured. Cashowa staff can't read it. Export the lot or delete it any time.
If a number isn't sourced from a tool call, the UI flags it. The agent is instructed to never make numbers up.
Cashowa never touches your bank. You upload statements you control — CSV or PDF — when, what, and how much.
A credit is a unit of work. Simple chat = 1 credit. Chat with tools = 3 credits. A full plan = 25. A business audit with website = 75. We charge per task instead of per token so the price matches the value, not the prompt length.
No — and we like it that way. You export a CSV — or save a PDF statement — from your bank app and upload it. Faster to set up, no third-party broker, and you control what we see.
Claude Sonnet 4.6 from Anthropic, with tool use and streaming. The agent has a short list of tools — calculator, CSV query, web fetcher, save-plan — and chooses which to use per question.
Every numeric answer cites a calculation step. Click any number to expand the formula and inputs. If the model tried to inline a number that wasn't computed, the UI rejects it.