Owner pay: “later.”
The crew gets paid, the suppliers get paid. You get what's left, sometime.
for business owners & their families
Your business pays everyone on time. Except you.
The crew gets paid. The suppliers get paid. You get whatever's left, whenever. Meanwhile groceries land on the business card and the tax bill shows up like a plot twist. We're building the money person that keeps home and business money straight, and texts you before things go sideways.
Free to join. Early families help shape it. No spam, ever.
Example conversation: a client payment lands, taxes are set aside and bills are covered, and the money person offers to send you $2,000 of owner pay.
...paid, finally.
- “I'll pay myself next month.”
- “Is that a business expense?”
- “Which account is payroll in?”
- “We had a good month… right?”
- “Why is the tax bill THAT big?”
- “Did the client pay yet?”
- “Can the business cover it?”
- “Put it on the business card for now.”
- “I'll do the books Sunday.”
- (Sunday came and went.)
- “What's this $412 charge?”
- “Ask me after payroll.”
Sound familiar?
You didn't start a business to become its part-time bookkeeper.
The card shuffle
Groceries on the business card, supplies on the personal one. Somebody sorts it out in March. It's you.
“Good month?” “Probably?”
Money in the account isn't profit. But at 11pm it's the only number you've got.
The tax plot twist
Estimated taxes are a guess. Then April sends the real number.
“Are we OK?”
Your spouse asks. The honest answer lives in three bank apps and your head.
The shoebox
Receipts in the truck, the inbox and the glovebox. Your accountant loves that.
54%of owners with employees used personal money to plug business gaps.Fed Small Business Credit Survey
$1,500–3,500to catch up 7–12 months of messy books.CoCountant, 2026
What changes
Same business. Calmer money.
NowSoon
NowOwner pay: “later.”
SoonOwner pay on purpose. A steady amount you can plan the house around.
NowMoney in the account, and a guess about profit.
SoonWhat the business really earned this month, in one text.
NowThe tax bill shows up like a plot twist.
SoonTaxes set aside as money comes in. April is just a month.
NowGroceries on the business card, sorted out in March.
SoonHome and business kept straight as it happens. Slip-ups get flagged and paid back.
Now“Are we OK?” answered from three bank apps and your head.
SoonYour spouse asks the money person. You stay on the job.
NowA shoebox for your accountant.
SoonA clean year for your accountant, and March back for you.
We're building it now, with the first families on the list.
Save our spotMade for owner-run businesses
If home money and business money share a kitchen table, you're in the right place.
- Contractors & trades
- Shops & studios
- Salons & clinics
- Agencies & consultants
- Restaurants & food trucks
- Freelancers & creatives
- Family businesses
- Side hustles that got serious
psst
Your accountant is going to like you more.
Every year they get a shoebox. Next year, they get a clean record. We're building that side with accountants too.
Show my accountantFair questions
Owner to owner.
early access
Run the business. We'll watch the money.
Join the early list. The first families help shape what we build, and hear from us first.
Just your email or number for now. By joining, you agree to our Terms of Use and Privacy Policy.
Sources
- Fed Small Business Credit Survey. Federal Reserve Banks, “Small Business Credit Survey: 2026 Report on Employer Firms.” fedsmallbusiness.org(opens in a new tab)
- CoCountant, 2026. CoCountant, “Bookkeeping cleanup cost guide.” cocountant.com(opens in a new tab)