When money lands and when it leaves, starting from your balance today. A dip below the dashed line means you'd run short at that point.
What you pay yourself from the business. Add a line below; for monthly pay set the day of the month, for weekly/fortnightly/4-weekly set a date you're paid and the next due date is worked out for you.
Add an outgoing below — pick its category and how often it's paid, then Add. It drops into the list under its category. Non-monthly items are converted to a monthly figure and show their next due date. Use “Manage categories” to add or rename categories. Tax and debts are on their own tabs.
Money you set aside — it's kept separately from spending so your outgoings aren't overstated. Add a pot below; set how often you pay into it. It's counted in your monthly allocation but shown on its own.
Add each debt with its starting balance, monthly repayment and interest rate. The app tracks the balance down as payments fall due, works out when each is cleared and the total interest, and counts active repayments as money out on the Overview.
Set this aside for your Self Assessment before budgeting the rest. It updates from Set Aside as your figures change.
Big lumpy tax bills are flagged on the Overview cashflow when they fall within the next 60 days — Self Assessment (31 Jan & 31 Jul) automatically, plus quarterly VAT if you're registered.
Same account as Set Aside — sign in here, no need to leave.
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