Personal Finance App for Small Business Owners (2026)

Short answer

Small business owners need two tools: accounting software for the company and a personal finance app for their own money. In Finman, draws land in a personal holding account, a savings goal holds the tax, and a fixed monthly transfer funds the household budget. Net worth shows what you own outside the business.

Start free, no card Owner pay setup Plans

Two sets of books, two different tools

The company gets a bookkeeper, accounting software and a monthly report. The owner’s household often gets whatever is left of a Sunday evening. The two jobs need different tools:

Job	Business accounting software	Personal finance app (Finman)
Invoices, bills, payroll	Yes	No
Double-entry books, profit and loss, sales tax returns	Yes	No
Your pay from the company, household budget	Outside its scope	Accounts, transfers, category budgets
Personal tax set-aside	Outside its scope	A savings goal you fund on every draw
Personal net worth	Outside its scope	Accounts, investments, other assets and debts in one total
Household subscriptions and recurring bills	Outside its scope	Detection of repeating charges in your history

Keep the company in accounting software. Use a personal finance app for the money that reaches you and your household.

Pay yourself a fixed amount

An owner’s draw or dividend is irregular, like freelance income: it depends on how the company did and on when you choose to take money out. Budgeting each draw as it lands leads to a rich month followed by a tight one. The fix is the same as for freelancers:

CompanyDraw or dividendMoney moves from the company account to you, whenever and however much.
PersonalHolding accountIt lands in one personal account first. Tax you owe on it goes to a goal.
MonthlyFixed payA set amount moves to your household account on the same date each month.
HouseholdBudgetsMortgage, groceries, kids, subscriptions, planned on that pay.

The company’s swings stop at the holding account; the household sees a steady pay.

01
Set the pay from the lean months. Look at what you could take in the weakest months of the last year and start there.
02
Fund a personal tax goal on every draw. Ask your accountant which share of a draw or dividend to set aside, then add it to the goal each time money moves.
03
Keep cards apart. Personal spending on the business card and business spending on a personal card blur both sets of books. When it happens, record it once and settle it the same month.
04
Review on draw day. Each time money comes out of the company: buffer, tax goal, savings goals, then the household.

The full method, with a worked example, is in how to budget on an irregular income.

Give your household a steady pay

A holding account, a tax goal and a monthly transfer. Free during the open beta, no card.

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Personal tax when nobody withholds it

The right share depends on how you pay yourself, your country and your income, so take the figure from your accountant. Two official rules show when the tax office wants money during the year:

01
Canada. Income tax instalments are generally required when net tax owing is more than $3,000 ($1,800 in Quebec) in the current year and in either of the two previous years; due dates are March 15, June 15, September 15 and December 15. See the CRA instalment rules.
02
United States. Individuals, including sole proprietors, partners and S corporation shareholders, generally make estimated tax payments when they expect to owe $1,000 or more. See the IRS estimated tax rules.

Your net worth when most of it is the company

An owner can look wealthy on paper and be short of cash at home: most of the value sits in a share of the business that cannot pay the mortgage. Track the liquid part separately.

01
Personal accounts and investments. Checking, savings, brokerage; Finman tracks stocks, ETFs, bonds and crypto with prices from free Stooq quotes.
02
Other assets, entered by hand. A home, a car, or your stake in the company (there is a Business asset type) at a value you choose. Leave the stake out if you want to see only the liquid picture.
03
Debts. Mortgage, car loan, a personal guarantee you are paying down, each with its rate and target date.

Net worth is assets minus liabilities, converted to your base currency, with snapshots that build a history chart. See the net worth tracker for how it works.

Chart-style drawing of a river channel with small envelopes and coins along a line that dips and rises — The company’s numbers rise and fall; the household line should stay level.

What Finman does for an owner, and where it stops

01
Does: accounts in several currencies, CSV, OFX or QFX statement import, category budgets with alerts at 80% or on overspending pace, savings goals, debts with target dates, subscription detection, investments, net worth, a balance forecast up to 90 days ahead from the last 90 days, and the AI CFO chat that answers from your own numbers.
02
Stops at: invoices, payroll, bookkeeping, sales tax, financial statements and tax filing. Those belong in accounting software and with your accountant.
03
Household sharing: a partner can join your family with an invite code; each account owner decides who can view it or add to it, and accounts not shared stay private.

Everything is free during the open beta. After it, the Free plan stays at $0 with accounts and transactions, budgets and goals, and CSV import; Pro at $9 a month adds the AI finance assistant, bank sync and anomaly detection. See pricing. A sole proprietor without staff may find the setup in finance app for freelancers closer to their life.

Frequently asked questions

Is there a personal finance app for small business owners?

Yes. Use accounting software for the company and a personal finance app for your own money. Finman handles the personal side: a fixed pay from irregular draws, a tax goal, household budgets and net worth. It is free during its open beta.

Can I use Finman for my business accounting?

Finman is built for personal and household money. It does not create invoices, run payroll, keep double-entry books or file sales tax, so the company needs accounting software.

How should a business owner pay themselves to keep a steady budget?

Send every draw or dividend to one personal holding account, fund a tax goal from it, and move a fixed amount to the household account on the same date each month. Set that amount from the lean months of the last year.

How much should I set aside for personal tax on owner draws?

It depends on how you pay yourself and where you live, so ask your accountant for the share. In Canada, instalments are generally due when net tax owing is over $3,000 ($1,800 in Quebec); in the US, estimated payments when you expect to owe $1,000 or more.

Should my business stake count in my net worth?

Track it both ways. Finman lets you add other assets by hand, so you can include the stake at a value you choose or leave it out to see only the liquid net worth that can pay household bills.

Can my partner see our household budget?

Yes. In Finman a partner joins your family with an invite code, and each account owner decides whether they can view it, add transactions, edit or delete.

Keep your own money visible

Holding account, tax goal, household budgets and net worth in one place. Free during the open beta.

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