Free Training: Learn how to work 20 hrs less and profit more
Cashflowy vs Xero
One is built for you.
The other is built for accountants.
Built for solo businesses > No enterprise complexity.
An easy way to understand your numbers, be tax-ready, and get paid faster.
24/7 AI Bookkeeper > that answers all your financial
questions, in plain English and accurately.
No manual entry or human bookkeeper > Your transactions are categorized automatically, accurately, and instantly.
Why solopreneurs choose Cashflowy
We help you make more money.
Cashflowy shows you exactly where to focus so every decision drives more profit.
Set up in 15 minutes.
No finance degree or tech skills required.
One-click invoicing.
Create professional invoices in 2 minutes & get paid faster with one-click pay.
Simple, visual dashboard.
Designed for you to truly understand your cash flow.
Plain-English reports.
That tell you what’s working (and what’s not).
USD 297/year, all-in.
USD 0.81 a day. No add- ons or surprise fees. One simple plan that includes everything you need.
Unlimited Users.
Invite your VA, spouse, business partner, and tax professional. No extra fees.
Access to a human accountant.
Our entire customer service team is made up of accountants.
How we compare
Built For
Setup
Time
Ease of use
AI Assistant
Transactions
Invoicing
Reports
Financial coach
Cashflow Tracker
Unlimited users
Annual Cost
Xero
Accountants, growing teams
6-8 hours
5-10 hours/month
Complex, built for pros
X
Manual or rule-based
Custom setup required
Jargon-heavy, hard to understand
X
X
X
~ USD 504+
depending on plan/users
Cashflowy
Small service businesses
15 minutes
1 hour/month
Clean, simple, no learning curve
24/7 answers
AI auto-categorization
1-click branded invoices
Plain English, easy to act on,
and tax-ready
Make data-driven decisions with
your AI coach
Know what’s coming in and
out instantly
No extra-fees
USD 297
Built For
Xero
Accountants, growing teams
vs.
Cashflowy
Small service businesses
Setup
Xero
6-8 hours
vs.
Cashflowy
15 minutes
Ease of use
Xero
Complex, built for pros
vs.
Cashflowy
Clean, simple, no learning curve
AI Assistant
Xero
X
vs.
Cashflowy
24/7 answers
Transactions
Xero
Manual or rule-based
vs.
Cashflowy
AI auto-categorization
Invoicing
Xero
Custom setup required
vs.
Cashflowy
1-click branded invoices
Reports
Xero
Jargon-heavy, hard to understand
vs.
Cashflowy
Plain English, easy to act on, and tax-ready
Financial coach
Xero
X
vs.
Cashflowy
Make data-driven decisions with your AI coach
Cashflow Tracker
Xero
X
vs.
Cashflowy
Know what’s coming in and out instantly
Unlimited users
Xero
X
vs.
Cashflowy
No extra-fees
Annual Cost
Xero
~ USD 504+
depending on plan/users
vs.
Cashflowy
USD 297
Xero makes sense if you…
- Manage a team and have a bookkeeper or finance support
- Need custom reports, permissions, and accountant-only features
- Don’t mind higher costs and a steeper learning curve
Cashflowy is perfect if you…
- Sell your time, services, or digital expertise
- Want to know exactly what you can pay yourself, without doing the math
- Are done spending weekends in spreadsheets or decoding emails from your expensive bookkeeper
Pricing
Xero:
- Cashflowy works better for
soloprenerus because Free version with one
job, one user, and no
free job boards - ATS features start at
$42/user/month
Cashflowy:
- Cashflowy works better for soloprenerus because:
50% OFF for life - No extra hidden fees
- Unlimited entries,
users & bank accounts
Hear from Our Cashflow-ers
“Cashflowy is by far the most user-friendly solution.”
Lana Shlafer
“Cashflowy is saving me $500/month in bookkeeping costs and provides a better experience.”
Galen Wood
“Cashflowy is simple and straightforward, making bookkeeping easy.”
Katherine Pomerantz
