cashflowhq.online

What It Is

CashFlowHQ is a personal finance management tool built around T. Harv Eker’s “6 Jars” money management method. The core idea is to allocate every income entry by fixed percentages into six “jars”: necessities, financial freedom, long-term savings, education, play, and giving. It is more of a budgeting discipline and income/expense tracking tool than a full-fledged business finance system.

Key Features and Product Capabilities

The current site explicitly lists income and expense tracking, a real-time financial dashboard, automatic 6 Jars allocation, financial goal tracking, monthly PDF reports, budget alerts, unified management for multiple accounts, CSV export, custom categories, and dark mode. It supports any world currency and emphasizes a mobile-first experience, usable from a phone browser. The login page also shows support for Google and Apple sign-in. On the data side, the company says it uses Supabase, enables Row Level Security, uses HTTPS/TLS encryption, and provides automatic backups.

Pricing and Plans

The free plan is advertised as $0 forever and requires no credit card. It includes a fairly complete feature set: unlimited transactions, unlimited accounts, PDF monthly reports, budget alerts, and CSV export. The Pro plan is priced at $9.99/month but has not launched yet; planned features include bank sync, AI auto-categorization, financial forecasting, and report insights. The Business plan is priced at $29.99/month and is also marked Coming Soon, with planned support for multiple organizations, team collaboration for up to 10 users, a P&L dashboard, API access, and white-label reports.

Pros and Cons

The main advantages are the low barrier to entry and comprehensive free plan, making it suitable for building personal finance habits with a fixed-percentage budgeting method. It also supports data export, so your data is portable. The drawbacks are that many advanced features are still on the roadmap: bank sync, AI, API access, and team collaboration are not actually available yet. Security and compliance disclosures are limited to basic technical measures, with no visible SOC2, ISO, or similar certification information. There is also no indication that a native mobile app has been released.

Who It’s For and Access from China

CashFlowHQ is suitable for individuals, freelancers, or users who want to review their budgets using the 6 Jars method. Business teams will need to wait for the Business plan to launch. Access from China cannot be determined from the site alone, and Google/Apple login may be affected by the local network environment. Payment methods are not disclosed. If you need localized payments, Chinese-language support, or bank connectivity, domestic alternatives such as 随手记 or 鲨鱼记账 may be worth considering. If you prefer international budgeting methodologies, you can compare it with YNAB or Monarch Money.