Money questions, answered with your data.

See where the month goes. Get an honest 50/30/20 read against your actual expenses and a list of subscriptions you forgot about.

Try asking

• “How much can I afford to save each month?”
• “Which 5 expenses are draining the most cash?”
• “What's a realistic emergency-fund target for me?”

Build a step-by-step plan with a target down-payment date, monthly contribution, and what to cut to get there sooner.

Try asking

• “Build me a plan to buy a $400k home in 5 years.”
• “How much house can I actually afford?”
• “Show me what changes if I raise my down payment to 25%.”

Treat your freelance income as a profit stream — Cashowa keeps personal and business spending separate inside one chat.

Try asking

• “What was my freelance net for last quarter?”
• “How much should I set aside for tax this month?”
• “Compare my freelance earnings to last year.”

Run an analyst report on financials, ops, and acquisition — plus a website audit if you have a site. Re-run quarterly.

Try asking

• “Audit my business and find leaks.”
• “Where should I invest the next $5k?”
• “Why is my conversion rate dropping?”

Cashowa scans your transactions and flags every recurring charge — including 'stale' ones where you stopped getting billed. Find the trials that auto-renewed, the services you forgot about, and the ones quietly creeping up in price.

Try asking

• “What subscriptions am I paying for right now?”
• “Which subscriptions look stale or paused?”
• “How much do my recurring charges add up to per year?”

Internet, phone, insurance, streaming, energy. Cashowa researches your provider, finds 2–3 cheaper competitors live, drafts a retention call script, and writes the cancellation email. You either paste and send, or follow the script on the call.

Try asking

• “My internet bill is $90/mo with AT&T — can I do better?”
• “Find cheaper alternatives to my current car insurance.”
• “Draft a cancellation email for my gym membership.”

Toggle on Quarterly Business Review and Cashowa re-audits your business every 90 days — automatically — with a quarter-over-quarter narrative of what improved and what slipped.

Try asking

• “What's changed since my last audit?”
• “Where did my gross margin go this quarter?”
• “Which acquisition channels are still working?”

Stack debts by APR or balance, simulate snowball vs avalanche, and see how much faster you can finish if you pay extra.

Try asking

• “Should I do snowball or avalanche given my balances?”
• “What if I throw an extra $200/month at my highest-rate loan?”
• “When will I be debt-free?”

Set the trip date and target. Cashowa works backwards to a monthly contribution and tells you what to skip to hit the goal.

Try asking

• “Plan a $6k trip for next August.”
• “Where am I overspending that I could redirect?”
• “Show me a 9-month savings schedule.”