Cómo se calcula

Patrimonio neto: activos no líquidos + cash en cuentas − pasivos − deuda de tarjetas. Cash en cuentas: suma de saldos en cuentas tipo efectivo / banco / billetera. Tarjetas: son cuentas con saldo negativo (deuda activa); el pago es una transferencia. Movimientos: ingresos / gastos / transferencias asignados a una cuenta. Las transferencias mueven dinero entre cuentas, no afectan el flujo neto. Runway: cash / burn mensual.

Cómo usarla

1. Set up your business. Name and currency. Default "Cash" account created automatically.
2. Create your accounts. Bank, wallet, credit card (with negative balance). All editable.
3. Log movements. Income / expense / transfer between accounts. Hierarchical category + recurrence + date.
4. Assign employees to an account. Each employee is paid from a specific account. Only counts from start date.
5. Track debts and assets. Loans / mortgages with monthly payment and payment account. Non-liquid assets (vehicle, inventory).
6. Review Summary. KPIs, comparison, 24-month cashflow projection, debt growth/reduction, category donut, expense and income per account, annual calendar.
7. Export PDF. Page 1 with KPIs and insights, following pages with detail tables.

Preguntas frecuentes

Is my data uploaded to a server?

No. Everything stays in your browser localStorage. If you clear the browser or switch devices, you lose the data. We are in development; optional sync with account is coming.

How do accounts and movements work?

You create accounts (cash, bank, wallet, cards). Each movement (income, expense, transfer) is assigned to an account. Transfers move money between accounts without affecting net flow.

How do I handle credit cards?

A card is a "credit-card" type account with negative balance. Buying = expense movement on the card. Paying it off = transfer from your bank account to the card.

How is net worth calculated?

Non-liquid assets + cash in accounts (cash / bank / wallet) − liabilities (loans, mortgages, etc.) − active card debt. If you have a card with negative balance, it counts toward debt automatically.

What is runway?

How many months your business can operate if you rely only on account cash to cover the monthly deficit (expenses − income). If income > expenses, runway is unlimited.

Are movement categories fixed?

No. You have a large list with parent categories (Housing, Food, Transport, Health, Education, Business, Services, Taxes, Finance, Personal, Travel…) and optional subcategories. Pick just the parent or a specific child.