Cash flow, owner draws & retained earnings
The deepest report — and the one that answers "what did I actually make?" Classify your draws once a month and the answer stays honest.
Cash position & forecast
- Open Reports → Cash flow.
- Cash position — your depository balance, today.
- Next 4 weeks — the funding forecast, from everything averaged over the last 12 weeks: rent, payroll, suppliers, insurance. It exists to show the week payroll and rent land together — before it happens.
Earnings by month
The monthly table: In (settled sales), Out (charges on the day charged), Net — plus the owner columns: Drawn, 401(k), Retained, Contributed. This is your P&L rhythm, month by month.
Classify your owner draws
- Tap Classify owner draws… on the Retained card.
- Kanjo lists draw candidates found by your keywords — plus large payments it doesn't recognize, so nothing slips through.
- For each, pick one of three kinds: W2 / payroll (runs through payroll, against this month's earnings), Retained (cash taken out of profit already earned — comes off the retained balance), or Contribution (your money going in).
- Leave supplier payments and bills on W2 / payroll — unclassified candidates simply stay ordinary business expenses.
Tip · A draw that never repeats usually isn't payroll — Kanjo will suggest "looks like a distribution, not payroll" when the pattern says so.
Set the year-end balance
- On the Retained card, tap last year's year-end balance and enter it (from your tax return or your accountant).
- Draws you classify as Retained now come off that balance — money earned last year isn't double-counted as this year's income.
Try it with this week's invoices.
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