Your business. Your household. Every part connected.
01 / 06 · Reservoir
Know what is yours to direct.
The bills, the everyday spending, the money you can actually use. One waterline that already knows what is coming.
Recurring commitments
Everyday spending
Cash-flow projections
Yours to direct$5,390After commitments and everyday spending
Income$10,431
Committed + Everyday$5,041
Available$5,390
Committed · $3,200Everyday · $1,841
Illustrative figures, showing how your money connects.
02 / 06 · Treasury
Give every dollar a place to go.
Operating money, tax reserves, and room to grow. Follow your cash through one connected system, with a purpose for every dollar.
Accounts and reserves
Payments and transfers
Virtual cards Beta
Cash, with a purpose$48,600Three places. One clear cash position.
$28,400
Operating
$12,200
Tax reserve
$8,000
Growth
Illustrative figures, showing how your money connects.
03 / 06 · Books
Every transaction. Already connected.
Follow the money from the first receipt to the finished books. Every figure leads back to the records that made it.
Invoices and bills
Reconciliation
Financial statements
September income$32,480Income $32,480 − expenses $21,760
A few of this month's records
Invoice 1042+$1,850
Supplies−$214
Software−$55
Client payment+$3,200
→
Net income$10,720
184 of 192 records matched
Financial statementsLender packageTax return
Illustrative figures, showing how your money connects.
04 / 06 · Payroll
Good work. Paid on time.
One pay run, from draft to approval to payday. See each person's pay, the withholding, and the total before the money moves.
Pay runs
Employee paystubs
Withholding
Next payroll$12,840One run, from approval to payday
Net pay $9,760
M. Okonkwo$4,160
J. Alvarez$3,040
T. Ruiz$2,560
3 team membersTaxes + withholding · $3,080
Illustrative figures, showing how your money connects.
05 / 06 · Taxes
More cash flowing. Less tax in the way.
Keep the whole year in view. See how planning can improve cash flow and lower projected tax while there is still time to act.
Year-round projections
Tax planning opportunities
Quarterly estimates
Plan while the year is still in motion
Monthly cash flow after tax$9,600From $6,800 in Q1↗ $2,800 more / month
Q1Q2Q3Q4
Projected annual tax$13,400From an $18,400 Q1 projection↘ $5,000 lower projection
Q1Q2Q3Q4
Keep the books currentFind planning opportunitiesUpdate the year ahead
Illustrative planning scenario, not a promised result. Cash flow is monthly; tax is the full-year projection at each quarter. Each chart has its own dollar scale.
06 / 06 · Net worth
See where your business can grow.
Business assets, outstanding liabilities, and the equity they leave behind. Track your financial position and see how it could develop over the next twelve months.
Business assets
Liabilities and equity
12-month outlook
Projected business net worth$1,840,000From $1,420,000 today, looking twelve months ahead
Today+3 mo+6 mo+9 mo+12 mo
Projected assets$2,650,000
−
Projected liabilities$810,000
Illustrative 12-month balance-sheet projection. Business net worth is assets minus liabilities.
Reservoir · 1 of 6
Start directing the flow
Your money. A clearer way forward.
One home for your household, your business, or both.