Included in every Cashflowy plan
What Clara AI is
Your finance brain. In your pocket.
Clara AI is the financial coach inside Cashflowy. She has read every transaction in your connected accounts and answers in plain English, using your actual numbers.
How much can I pay myself this month?
Should I buy this $400 software subscription?
Which invoices haven't been paid?
Can I afford to take a week off?
How much should I set aside for taxes this year?
How much did I spend on software last month?
The answer comes back with the real number from your account, plus the source of the data.
Trained specifically on solo service businesses
Coaches
Therapists
Consultants
Designers
Creators
Freelancers
She knows what a healthy profit margin looks like at $6k/month versus $12k/month and what average service providers spend on software before it becomes "too much".
Sees patterns before they hit your bank balance
Payment processor fees that never get counted as expenses.
A slow quarter landing right before a tax bill.
Clara notices the patterns that create cash problems before they show up.
Benchmarks calibrated for a business like yours. Not pulled from accounting textbooks written for corporations. Ask her something outside her scope — anything not in your connected cash flow data — and she will tell you. No pretending to know what you haven't shown her.
How Clara AI works
Connect once. Ask anything.
Step 1
Connect
Clara reads your real-time data
The moment you connect your bank and payment accounts, Clara AI reads everything. No manual entry, no uploads, no lag. See all supported banks and tools.
Step 2
Ask
She queries your live data
When you ask a question, she queries your live data, returns the answer in seconds, and shows the calculation behind it.
Always
Seconds
The real number, with the source
The answer comes back with the actual number from your account, plus where it came from. No guessing, no generic advice.
One click away, wherever you are
Clara lives in every screen of Cashflowy. A chat bubble sits in the bottom corner of every section. Wherever you are looking at your numbers, she is one click away.
Why Clara AI
Turn guessing into knowing.
Instant answers about your finances, from an AI financial coach that has read every transaction in your business.
The Problem
Most service providers cannot afford a financial advisor and do not have time to dig through complex tools. The default is guessing.
"I think I can afford this."
"I should be okay on taxes."
The Cost
Guessing costs money. The questions that used to require an hour in a spreadsheet, or three days waiting for your bookkeeper to reply, get answered in seconds. With the real number. In plain English.
Avg wait for a bookkeeper reply
3 days
Typical bookkeeper cost per month
$300+
What makes Clara AI different
Built for your business. Not everyone's.
She reads your actual transactions. Your revenue, your expenses, your Owner's Pay. Not a formula. Your number.
Income, expenses, what you can pay yourself. Clara speaks the way you already think about money.
Check in before the 10th and 25th. Owner's Pay, tax savings, anything unusual, in seconds, not three days.
Clara AI in action
Real questions. Real answers.
These are the questions Clara answers every day — using your actual numbers.
What Clara AI can do
Honest about what she can and can't do.
Answer questions about your specific transaction data
Calculate your Owner's Pay number on demand
Check your tax savings against your estimated liability
Flag unusual expenses or spending patterns
Tell you your safe-to-spend budget in any category
Summarise your financial position for any period
File your taxes (that's your CPA)
Provide legal or entity structure advice
Access accounts she's not connected to
Initiate any transfers or move money
Replace your CPA's judgment on complex matters
FAQs