Cashowa
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Books, music and media
Cashowa reads your statements, categorises everything automatically and shows you the numbers that matter to musical instruments and gear sellers. No spreadsheets, no manual tagging, no accounting degree needed.
Free plan, 10 credits a month, no card required.
Alex M.
hello@musicalinstruments.co
Your business at a glance.
Revenue (90d)
$8,824.00
Operating costs (90d)
$5,597.00
Net profit (90d)
$3,227.00
Monthly net
$1,686.00
Average of closed months
Cash flow
Money in and out, last 12 months
Top costs
Biggest expense categories, last 90 days
Top suppliers
Where the money went, last 90 days
If you run a musical instruments and gear seller business, you already know the numbers do not sit still. Media is a low price, high volume business where postage is a huge share of every order. A used book selling for a few pounds might cost nearly as much to send, which means the margin lives or dies on shipping efficiency rather than on the buying price.
Much of the stock is one of a kind, particularly in used books, vinyl and out of print material. That makes it closer to resale than to conventional retail, with per item cost basis and no meaningful reorder point.
Condition drives price enormously. The same title in different condition can be worth wildly different amounts, and getting the grading wrong is the most common cause of returns and negative feedback in this category.
Money in
$5,700.00
Money out
$1,683.00
Left over
$4,017.00
Where the money went
Upload a statement and Cashowa does the sorting. Free to start, no card needed.
Three situations that come up constantly in musical instruments and gear.
Below a certain sale price, postage and fees eat everything and the listing time is unpaid. Cashowa gives you the fee and postage figures to find where that floor sits.
Slow stock in a low value category is often better cleared as lots than stored. The slow mover list is where you find the candidates.
Refund rate is the measure. In media, returns are usually about condition expectations rather than genuine faults, so a high rate points at how you describe things.
Switch between monthly, quarterly and yearly to see the pattern.
Autumn and the fourth quarter are strongest for gifting. January brings a clearing out effect that makes sourcing easier and cheaper.
Upload twelve months and the pattern stops being something you half remember. You can switch between monthly, quarterly and yearly, which matters when income arrives in lumps and a single month tells you very little.
Import your sales file and Cashowa works out profit per product, what is selling, and what has not moved in sixty days. Enter what each item costs you once and the margins stop being guesswork.
Add a lead time and it warns you before something runs out, rather than after.
Reorder now
Starter musical instrument, Large musical instrument will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Starter musical instrument | 46 | $2,859.36 | $28.00 | 1 |
| Large musical instrument | 48 | $1,823.04 | $18.00 | 4 |
| Premium musical instrument | 18 | $1,127.52 | $27.00 | 58 |
| Compact musical instrument | 7 | $309.96 | $18.00 | 79 |
| Classic musical instrument | 58 | $3,024.12 | $22.00 | 55 |
Import an order export and Cashowa works these out on its own.
Net revenue
$18,420
after refunds
Gross profit
$7,905
after unit costs
Average order
$46.10
Repeat buyers
31.4%
of customers
Refund rate
4.2%
Lifetime value
$92.30
per customer
Built around how musical instruments and gear sell, not around a generic business.
The decisive number in low value, high weight selling.
For stock where every item is different.
So dead titles get cleared rather than stored indefinitely.
Which in this category usually reflects condition grading accuracy.
Large physical inventories cost real money to keep.
These get recognised and sorted on their own when they turn up on your statement. If something specific to your setup gets filed wrongly, you fix it once and it sticks.
Export a statement, upload it, and the categorising happens on its own.
The things worth knowing before you sign up.
Other books, music and media categories Cashowa is built for.
No bank login
You upload a statement. Cashowa never asks for your banking credentials.
No card to start
The free plan gives you credits every month without payment details.
CSV or PDF
Whatever your bank exports. No special format needed.
Your data stays yours
Stored against your account only, and you can delete it whenever.
Cashowa reads your statements and tells you straight. Free plan, no card required.