COGS & Cashflow

Know what you actually took home.

Owner pay is the number most owners guess at. Kanjo separates W2 pay, cash draws and retained profit — so "what did I make this year?" has one answer.

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✓ 30-day free trial✓ No POS integration✓ Phone-first

Cash flow 9:41

In your pocket · April

$8,420Drawn $6,000 · 401(k) $920 · Retained $1,500

Classify a draw

Transfer $4,000 · Apr 12

W2 / payrollRetainedContribution

A retained draw comes off profit already earned — not this month's income.

Retained · prior year

Year-end balance

editable

$22,300

Drawn against it

this year

−$9,000

How it works

Teach Kanjo your draw pattern

Add a keyword that matches your draw transfers. Kanjo finds every matching transaction — past and future.

Classify each draw with a tap

W2 / payroll, retained draw, or contribution — three different events, kept apart honestly.

Watch the retained balance

Draws against last year's profit come off the prior-year balance — not double-counted as this year's income.

What you'll see

✓"In your pocket" on the Today screen
✓Drawn vs retained vs 401(k), month by month
✓A retained-earnings balance that survives the year-end
✓A 12-month owner-pay total you can trust

Step-by-step setup: the getting-started guide.

Try it with this week's invoices.

30-day free trial · works on the phone already in your pocket · no POS integration.

Start free Read the guide