Cashowa
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Jewellery and watches
Cashowa turns your bank statements into a clear picture of the business. Made for watches sellers, and for the specific way money moves in this trade.
Free plan, 10 credits a month, no card required.
Alex M.
hello@northgatewatchesgo.co
Your business at a glance.
Revenue (90d)
$13,640.00
Operating costs (90d)
$8,023.00
Net profit (90d)
$5,617.00
Monthly net
$1,796.00
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
The money side of watches sellers is rarely as tidy as the accounting software assumes. Jewellery ties up more cash per shelf inch than almost anything else. A modest range can represent a very large amount of money sitting still, and unlike fast moving goods it can sit still for a long time. That makes knowing what is actually selling far more important than it is in a category where everything turns over in a fortnight.
Material costs move underneath you. Silver and gold prices change, and a piece costed at last year's metal price is not costed correctly any more. If you make rather than resell, your cost basis needs revisiting more often than most people revisit it.
Insurance, secure postage and authentication are real costs here that barely exist elsewhere. Sending a five hundred pound ring is not the same as sending a tee shirt, and the postage line reflects that.
Money in
$4,897.00
Money out
$2,025.00
Left over
$2,872.00
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 watches.
Enter unit costs per piece and update them when your materials cost changes. Cashowa recalculates gross profit from what you actually paid rather than from a figure set a year ago.
Insured and tracked postage gets categorised separately, so you can see it as a share of revenue. On lower priced pieces it is often the difference between a sale being worth making and not.
The products view shows what has sold and what has not over sixty days. In jewellery each unmoved piece is a lot of tied up money, so that list is worth acting on rather than noting.
Switch between monthly, quarterly and yearly to see the pattern.
Christmas and the run up to Valentine's Day carry a large share of the year. Engagement season around the winter holidays lifts higher value pieces in particular.
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
Premium watch, Compact watch will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Premium watch | 23 | $2,132.56 | $38.00 | 0 |
| Compact watch | 38 | $1,026.00 | $10.00 | 3 |
| Classic watch | 10 | $982.80 | $36.00 | 18 |
| Everyday watch | 36 | $2,024.64 | $19.00 | 65 |
| Mini watch | 39 | $3,032.64 | $32.00 | 44 |
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 watches sell, not around a generic business.
Charts showing money in against money out, which matters when stock is expensive.
Where a lot of your cash is sitting, made visible.
What custom work really pays once time is in the cost.
Whether fairs and markets earn their keep.
Enter what a piece costs in materials and time and see the real margin rather than the headline price.
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 jewellery and watches 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.