Plans, audits, and budgets — automatically
The financial co-pilot that does the math, not just the talking.
Cashowa builds your financial plan, tracks your cash flow, audits your business, and negotiates your bills — and shows you the formula behind every number it gives you.
10 free credits a month. No card required.
Every number, verifiable
Most AI tools hallucinate numbers. Cashowa doesn't. Every figure you see — your emergency-fund target, your retirement gap, your business's gross margin — links back to the exact formula, the inputs, and the result. Click any number to expand the math. If we can't compute it, we won't claim it.
Four products, one chat
Each runs on the same agent — context flows between them, so what you say in chat shows up in your plan.
Chat with verifiable math
Ask anything about your money. Cashowa thinks in real arithmetic, browses the web for current rates and prices, and queries your own data — then shows its working. Like a friend who's actually good at spreadsheets.
Financial planner
Tell it your goal — buy a home in 5 years, retire at 60, pay off your student loans. Cashowa builds a goal-by-goal plan with milestones, projected savings curves, and a step-by-step to-do list. Export to PDF, ask follow-ups in chat.
Cash flow tracking
Drop in a CSV from your bank. Cashowa maps the columns, auto-categorises every transaction, and turns 12 months of spending into one chart you can actually read. "What did I spend on groceries last quarter?" — just ask.
Business analyst + bill negotiator
Run a full audit on your business — financials, operations, and a live website check for SEO, conversion, and trust. Or point Cashowa at your internet bill and let it research competitors, draft retention scripts, and write the cancellation email for you.
How it works
Three steps, no spreadsheets.
- 1
Tell Cashowa about you
Conversational onboarding takes about 90 seconds. Prefer a form? That works too.
- 2
Upload or ask
Drop in a bank CSV, ask a planning question, or paste your website URL. Pick any door.
- 3
Get the answer + the math
Every reply links its numbers to a verifiable step. Save plans and audits, export to PDF, share with your accountant.
What people are saying
Early users using Cashowa for real money decisions.
I asked it to find leaks in my agency and it pointed at three things I'd been ignoring for months. The audit took five minutes — and I could click every number to see how it got there.
Marcus T.
Agency owner
Finally a money app that shows me where the numbers come from. I click any figure in the chat and the math expands. Nothing feels hand-wavy.
Ada O.
Software engineer
I used to avoid looking at my bank statements. Now I upload a CSV once a month and Cashowa just tells me what changed and where I'm leaking.
Priya R.
Project manager
It built me a 5-year plan to buy my first place. The action steps were specific — not 'save more', actual amounts and dates tied to my real income.
Daniel L.
Product designer
The website audit on top of the business analyst is the unfair advantage. It flagged four conversion issues my agency had missed.
Sandra K.
Founder, e-commerce
I asked about my freelance taxes for last quarter. It pulled the right numbers from my uploaded CSVs and gave me an honest answer — with the calculation right there.
Jaime V.
Freelance writer
Stop guessing. Start verifying.
Open Cashowa and ask one question your old budget app couldn't answer.