Personal vs business cash flow
Household cash flow is budget and expense tracking against income and goals. Business cash flow is revenue, expenses, and runway in the Business Finance OS.
Capitallytics keeps those contexts separate so founders can review company cash without blurring personal net worth — and vice versa.
Unpaid accounts payable increase expense without reducing cash until payment. See accounts payable and financial reporting for how statements stay aligned.
Managing household cash flow
In the Personal Workspace, cash flow is grouped into income, expenses, accounts, debt, subscriptions and a bills and money calendar. Recurring bills, EMIs and subscriptions sit on the calendar with reminders, and subscriptions found in your transactions can be confirmed or marked cancelled in one place.
Each transaction is classified once. Moving money between your own accounts is a transfer, a SIP is an investment contribution and a loan EMI is debt service, so none of them inflate everyday spending. That is what makes the savings rate, the budget and the Safe to spend today figure agree with each other.
Managing business cash flow
In the Business Workspace, cash flow starts from posted cash, open invoices and open bills. Home shows cash, bills due in 30 days, overdue bills and runway. The cash forecast projects the next 30, 60 and 90 days using each customer's own payment history, and lists customers who are likely to pay late.
The most useful habits are simple: send invoices promptly, follow up on anything overdue, schedule bills by due date rather than paying early by default, and watch runway after bills due rather than the bank balance alone.
Where the two meet
A founder's salary or drawings is an expense or withdrawal for the company and income for the household. Capitallytics records it on each side in its own workspace and never copies company revenue into personal income. Your stake in the company can appear in personal net worth as a clearly labelled ownership asset, not as cash you can spend.