Caflou

Caflou combines project, team, finance, customer, and company-activity management for small businesses. It suits firms that want those operations connected, especially when project budgets and cash flow need to be viewed together. The free Turtle plan gives businesses a way to start, but teams that need the email inbox must choose Dolphin or Shark, or a higher tariff.

Overview

Caflou is built for companies with 1–100 people, making its broad remit a better match for small businesses than for buyers seeking a single-purpose finance app. It brings project planning, financial tracking, customer relations, and company activities into one online system. That breadth can help keep operational work connected; it is less compelling if all you need is a focused cash-flow tool.

Rule-based automations can be created without programming, while Caflou AI extracts data from received invoices. Those capabilities target routine business processes rather than offering a general-purpose AI assistant. The email inbox is a more consequential plan distinction: it is available on Dolphin and Shark tariffs or higher, so teams that rely on inbox access should not assume the free plan covers them.

Key features

Projects and financial tracking

Project tools include WBS, Gantt charts, Kanban boards, budgets, and income and expense tracking. This range gives teams options for structuring work and following its financial performance, rather than treating project planning and costs as separate jobs. Caflou also supports invoicing, cash-flow planning, bank payment imports, bank synchronization, cash-position views, inflow and outflow tracking, and financial reports. That combination is useful for businesses wanting project and cash information in the same system.

Automation, connections, and access

Integrations include Gmail, Outlook, Google Calendar, Google Drive, OneDrive, Dropbox, PayPal, Stripe, and Make. Accounting connections include QuickBooks, Xero, Zoho Books, and FreshBooks; WooCommerce is supported for imports only. Caflou publishes API v1 documentation using bearer-token authentication, with endpoints for account data and objects, which may suit businesses connecting their own systems.

Caflou offers Android, iOS, web, and API access, and describes the service as available on PC and smartphone. Its mobile-version article specifically mentions Android audio-message uploads. Security measures include HTTPS, encrypted password storage, optional two-step authentication, and backups at least daily. Caflou says it is CASA Tier 2 verified and links to a 2026–2027 validation report; its privacy statement places user and account data in the European Union or the United States. Online support is offered by email and chat.

Pricing

Caflou uses a freemium model. The Turtle plan costs free; bank synchronization, a cash-position view, and inflow/outflow tracking are included. The free entry point makes it possible to explore core financial visibility without a subscription, but the email inbox is not included: that feature requires Dolphin or Shark, or a higher tariff.

Custom pricing applies to plans without a published price. Because the higher tariffs are the route to inbox access, teams should confirm the applicable tariff and terms before choosing Caflou for shared email workflows. The published plan details establish no further seat or quota limits, so the choice between plans should not be based on assumed caps.

Platforms

Caflou is available on Android, iOS, and the web, and also offers an API. That spread accommodates mobile access and browser-based work, while the documented API gives businesses a route to connect account data and objects with other systems.

Who it's for

Caflou is a strong fit for small businesses that want project structure, financial tracking, invoicing, and customer or company management under one roof. It is particularly relevant where teams need to relate project budgets and income or expenses to broader cash-flow planning. A buyer looking only for a narrow cash-management app may find its wider business scope unnecessary. It is also not the right plan fit for teams that require email inbox access but intend to stay on Turtle.

Pros and cons

• Pro: Project planning spans WBS, Gantt, and Kanban, with budgets and income/expense tracking to connect delivery work to its finances.
• Pro: The free Turtle plan includes bank synchronization, cash-position viewing, and inflow/outflow tracking, giving small businesses useful financial visibility at no subscription cost.
• Pro: Rule-based automations need no programming, and invoice-data extraction can reduce manual handling of received invoices.
• Con: Email inbox access is restricted to Dolphin and Shark tariffs or higher, limiting the free plan for inbox-dependent teams.
• Con: Caflou covers many business functions, which may be unnecessary overhead for buyers who only need a dedicated cash-flow tool.

Alternatives

For a narrower category search, browse Cash Flow Management Software. The alternatives below offer different scopes and access choices:

• onbalance is a free Android and iOS option for readers seeking a mobile app rather than Caflou's broader business-management system.
• Cash Pocket is free on Android, iOS, and web, an alternative for readers who want a free cross-platform option.
• Bankflow offers a one-time $14.99 a month Starter plan billed for 300 credits a month, alongside a free option billed as 50 credits one-time; consider it when its credit-based plans suit the task.
• Trezy has a free web plan with one bank account, cash-flow tracking, transaction history, AI categorization, and email support; its Starter plan is $12.50 a month, billed $150/year.
• Bokeping offers a free plan for one user with 20 sales and 20 purchase records per month, CSV bank import, financial statements, and accountant access; it may fit readers prioritizing those functions within its stated limits.
• BankSummary offers a free web plan for up to two accounts, an option for readers whose needs fit that account cap.
• Cashvue is free to use while it is in public beta.
• Statement is another alternative to consider.

Verdict

Choose Caflou if your small business wants project, team, and finance management alongside automations and invoice data extraction. Its strongest case is the connection between project work and financial operations, with a free Turtle plan that already includes several useful cash-management features. Look elsewhere if email inbox access is essential on the free plan, since Caflou places that feature on Dolphin and Shark tariffs or higher; a focused cash-flow app may also be a better fit when you do not need its wider business-management scope.