Businesses and pooled reports

If you run a business, you have two ways to track it:

• A business inside your household pool. Its accounts sit next to yours but stay out of your personal reports, budgets and forecast. Good for a sole trader or a side gig.
• A separate business pool. Staff and your bookkeeper only ever see the business. See Pools.

You can do both. Pooled reports then show your household and business pools together.

Adding a business#

The Accounts page then groups accounts under Personal and each business. A business you no longer need can be archived from its edit dialog, and unarchived later.

Business accounts stay out of personal reports, budgets and forecasts.

Scope#

Once a pool has a business, the dashboard, Reports, Budgets, Forecast and Map get a view picker. Choose which accounts to count:

View	What it counts
Personal	Accounts not in a business.
All accounts	Everything in the pool.
All businesses	Every business account (shown when you have more than one business).
A business by name	Just that business’s accounts.

Budgets only offer Personal and All accounts, because budget targets cover the whole pool.

In a business pool, Personal is called Not in a business, since those accounts are the business’s own.

The default view#

Everyone starts on the pool’s default view. Owners and admins set it in Settings › Pool, under Reports › Default view. Automatic shows personal accounts if the pool has any, and everything otherwise. Each person can still switch views on the page.

Owner’s drawings#

Money moving between two of your own accounts is a transfer, so it normally doesn’t count as income or spending. Scope changes that.

When you look at one side of the line, a transfer that crosses it counts. Say you pay yourself $2,000 from the business account into your personal account:

• In the Personal view it shows as income, under Transfers with business.
• In the business’s view it shows as money out, under Transfers with personal.
• In All accounts it’s just a transfer, and doesn’t count.

Business pools have an Owner’s drawings category for money the owner takes out. Use it on the business side when you pay yourself into another pool.

Pooled reports#

If you’re in more than one pool, Reports can add them up as one. Pick All my pools in the view picker on the Reports page. Tick which pools to include; your choice is saved for next time.

Pooled reports show income, spending, savings rate, categories, top merchants and net worth across the pools you picked. Categories with the same name in different pools are added together.

Money between pools#

Money that moved between the pools, like paying yourself from the business, is matched up and left out. Otherwise it would count once as business spending and again as household income. A note under the totals says how much was left out.

To be matched, the two transactions must be the same amount in opposite directions, within 3 days of each other. At least one of them must be uncategorised, a transfer or Owner’s drawings, so a coincidental refund doesn’t cancel out a purchase.

What’s left out#

• Other currencies. Pools with a different default currency from the one you’re in are skipped.
• Pools you can’t report on. Your own role and account access still apply in each pool.

Skipped pools are listed under the totals, with the reason. The CSV export isn’t available in the pooled view.