What is the Safe-to-Spend feature?

Safe-to-Spend is FlowCFO's signature feature that answers "Can I afford this?" in one number. It calculates how much you can safely spend today by accounting for: current balance, pending transactions, upcoming bills (30 days), tax reserve requirements, emergency fund target, and expected income with confidence intervals. Updated in real-time as transactions sync.

How accurate is FlowCFO's cash flow forecasting?

FlowCFO achieves 85-90% accuracy for 30-day forecasts, significantly higher than traditional tools (65%). Our AI is specifically trained on freelancer income patterns including feast-famine cycles, client churn, and irregular payment timing. Accuracy improves as the system learns your unique patterns.

Can FlowCFO help with quarterly estimated taxes?

Yes. FlowCFO automatically calculates federal, state, and self-employment taxes based on your YTD income, deductible expenses, and entity type. It shows quarterly estimates, tracks your tax reserve, alerts you 2 weeks before deadlines (April 15, June 15, Sept 15, Jan 15), and includes tax scenario modeling to optimize purchase timing for maximum deductions.

What makes FlowCFO different from QuickBooks or Mint?

QuickBooks and Mint are designed for predictable income. FlowCFO is built specifically for irregular income patterns common with freelancers: 1) Irregular Income AI understands feast-famine cycles, 2) Client-level tracking (not just account-level), 3) Safe-to-Spend gives instant clarity, 4) Tax + cash flow combined (others do one or the other), 5) Forward-looking predictions, not just historical analysis.

How much does FlowCFO cost?

FlowCFO has three tiers: Starter ($29/mo) for individual freelancers with up to 2 bank accounts, Pro ($79/mo) for established freelancers with unlimited accounts and advanced features, and Agency ($199/mo) for teams of 2-25 people. All plans include 14-day free trial, no credit card required. Much cheaper than hiring a CFO ($150/hr) or combining separate tools like Pulse ($59) + Keeper ($39).

Does FlowCFO work for agencies or just solo freelancers?

FlowCFO works for both. Solo freelancers use Starter or Pro plans. Agencies (2-25 employees) use the Agency plan which includes team member access, role-based permissions, client invoice tracking, and API access. The irregular income AI works for both individual freelancers and agency project-based revenue.

Is my financial data secure?

Yes. FlowCFO uses bank-level AES-256 encryption at rest and TLS 1.3 in transit. We connect via Plaid (the same service used by Venmo, Robinhood, and major banks). We never store your actual bank login credentials, only secure access tokens. We are SOC 2 Type 2 compliant and undergo regular security audits.

Can I use FlowCFO if I have multiple income sources?

Absolutely. FlowCFO excels at multiple income sources (clients, products, retainers, projects). Our client-level intelligence tracks each income source separately, identifies patterns per client, and calculates risk scores. This is actually where FlowCFO shines compared to generic tools that just show one total balance.

What are feast-famine cycles and does FlowCFO detect them?

Feast-famine cycles are income patterns where freelancers experience alternating periods of high income (feast - typically 3-4 months earning $12K-20K/mo) and low income (famine - 2-3 months earning $3K-6K/mo). Unlike seasonal trends (which are calendar-based), feast-famine is client-driven and unpredictable. FlowCFO's AI detects these patterns and recommends saving 40-50% during feast months to survive famine periods.

Can FlowCFO replace my accountant?

No, but it complements them. FlowCFO handles day-to-day financial intelligence (cash flow forecasting, tax estimates, spending decisions). You still need an accountant or CPA for: filing your annual tax return, complex tax strategies, entity structure advice, and audit representation. Many accountants recommend FlowCFO to their freelance clients because it keeps them organized year-round and makes tax time easier.

FlowCFO

System Status: Online

Financial Intelligence
for the Independent Economy.

Name: Freelancer Income Pattern Database
Creator: FlowCFO
License: Proprietary - used under privacy-compliant terms

The first AI CFO built for the feast/famine cycle. Predict cash flow, automate taxes, and know your Safe-to-Spend™ number with 90% confidence.

94%Forecast Accuracy

$12M+Transaction Volume

FLOWCFO DASHBOARD

Net Runway

8.4 Months

Daily Burn

$142.50

Tax Reserve

$4,200

RECENT_ACTIVITY

Stripe Payout

+$2,400.0010:42 AM

AWS Service

-$64.2009:15 AM

Upwork

+$850.00Yesterday

Safe to Spend™

Real-time calculation

$2,840.50

Irregular Income AI

Trained on millions of freelance transaction points. It sees the feast/famine cycles that traditional accounting software misses completely.

Safe-to-Spend™

Automated Tax Shield

Client Intel

$12,450

> Integrity Check[FAILED]

The hidden cost of
"winging it".

Spreadsheets break. Mental math fails at 2 AM. When you're growing fast, "good enough" finances become your biggest liability.

The Tax Panic

That sinking feeling in April because you calculated taxes on gross revenue, not net profit.

The Cash Trap

Landing a huge contract but having $0 in the bank because they pay in Net-60.

The Silent Leaks

Subscriptions you forgot about and write-offs you missed because you lost the receipt.

SCANNING...

Built for Reality, Not Theory.

They built tools for corporations with predictable revenue.
We built FlowCFO for the chaos of client work.

The Old Way

Pulse

The Manual Tool

Irregular Income AI™

Safe-to-Spend™

Automated Tax Shield

Client Intelligence

"Good for basic cash flow, but requires manual data entry. No AI, no automation."

$59/mo

Built For You

FlowCFO

The Irregular Income Platform

Irregular Income AI™Predicts high income/slowdown cycles & income gaps

Safe-to-Spend™Real-time affordability check (90% confidence)

Automated Tax ShieldReal-time tax reserves & liability protection

Client IntelligenceChurn risk & payment timing analysis

The only tool that adapts to your unique cash flow DNA.

$29/month

> System Architecture

The Operating System
for your money.

We've distilled the complexity of enterprise finance into a set of precise, automated tools.

Algorithmic Forecasting

Our models analyze 24 months of transaction data to predict cash flow with 94% accuracy.

Automated Tax Reserve

Real-time liability calculation. We move money to a secure reserve account automatically.

Safe-to-Spend™ API

A single number that tells you exactly what you can afford today. No mental math required.

System Status: Ready

Ready to
Start?

Join 500+ independent minds operating at peak efficiency.

Safe-to-Spend Tax Calculator Cash Runway Tax Deadlines

Twitter GitHub LinkedIn

Financial Intelligence for the Independent Economy.

Irregular Income AI

Safe-to-Spend™

Automated Tax Shield

Client Intel

The hidden cost of "winging it".

The Tax Panic

The Cash Trap

The Silent Leaks

Built for Reality, Not Theory.

Pulse

FlowCFO

The Operating System for your money.

Algorithmic Forecasting

Automated Tax Reserve

Safe-to-Spend™ API

Ready to Start?

Financial Intelligence
for the Independent Economy.

The hidden cost of
"winging it".

The Operating System
for your money.

Ready to
Start?