PRIVATE MONEY PLANNING FOR SMALL BUSINESSES

Your balance shows what you have—not what it’s already for.

Finsway turns incoming money into a clear plan for direct costs, owner pay, taxes, reserves and upcoming commitments—without connecting your bank.

Start planning See how it works
  • No bank connection
  • No transaction import
  • No automatic money movement

One payment. Several purposes.

12,500received
4,200direct costs
8,300remaining
Taxes1,660
Owner pay3,320
Operating funds1,660
Reserve830
Unallocated830

You decide the structure. Finsway keeps it visible.

EARLY BETA

Try Finsway early.
Shape what comes next.

Explore a clearer way to plan business money and help us build Finsway around real business needs.

Get early access

Free during beta. No payment details required.

What you can explore

  1. 01Plan direct costs from recorded revenue
  2. 02Give the remaining money a clear direction
  3. 03See what is planned and what still needs attention
  4. 04Review each period before making it read-only
Built with early users.

Finsway is still evolving, and your experience will help shape the product.

Beta features may change as Finsway develops.

A balance is only the starting point

One balance can hide several commitments.

Some of the money you can see may already be needed for suppliers, salaries, taxes, planned payments or future goals. Until those purposes are separated, it is difficult to see what genuinely remains.

What must be covered first? What is already committed? What still needs a purpose? What genuinely remains?

One balance can contain many promises.

Finsway turns those promises into a plan you can see and review.

One balance. Several commitments.
12,500available
Taxes Suppliers Owner pay Reserve Goals

The planning principle

Plan the margin, not the noise.

Cover the costs created by the revenue, then give what remains a clear purpose.

01

Cover direct costs

Identify the costs created by earning the revenue.

02

Plan the remaining margin

Give what remains a purpose across taxes, owner pay, operations, reserves and goals.

Recorded revenue − direct costs = remaining margin

You make the decisions. Finsway keeps the plan visible.

How it works

See where the money came from—and where it needs to go.

Build the plan in four deliberate steps. Nothing moves unless you move it.

  1. 1

    Record the money available.

    Add the revenue or other amount you want to plan.

    Finsway income sources screen with recorded income groups
  2. 2

    Cover direct costs.

    Account for materials, supplier costs, project costs or other commitments directly connected to that revenue.

  3. 3

    Give the remaining margin a purpose.

    Plan what remains across taxes, owner pay, operations, reserves and goals.

  4. 4

    Keep upcoming payments visible.

    Prepare future commitments before they affect the amount available.

    Finsway upcoming payments screen showing created, approved, and paid obligations

Planning tools

Built for clear decisions—not more financial noise.

Everything stays connected, from the source of the money to its planned destination.

Income sources

See where available money came from before deciding where it should go.

Two-stage allocation

Cover direct costs first, then plan the remaining margin.

Purpose-based funds

Create clear destinations for taxes, pay, operations, reserves, and goals.

Planned payments

Keep upcoming commitments visible before they affect available money.

Flexible periods

Plan weekly, monthly or around the rhythm of your business.

Private records

Choose what enters Finsway. No bank sync or automatic transaction feed is required.

Finsway is for planning. It does not move money, replace accounting, or provide financial advice.

Private by design

Your bank stays private. Your plan stays yours.

You decide what enters Finsway. No bank connection, transaction import or payment access is required.

  • No bank connection.
  • No imported transaction history.
  • No automatic money movement.
  • You decide what enters the plan.
  • Planning is kept separate from financial advice.
Read the privacy policy

Who it is for

Built for businesses where every payment has more than one job.

Especially useful when revenue arrives at different times and one available balance must cover several priorities.

01

Consultancies

Separate delivery costs from the margin that supports the business.

02

Creative studios

Plan irregular project revenue across contractors, pay, taxes and future work.

03

Agencies

Keep supplier commitments, payroll, operating funds and reserves visible in one plan.

04

Professional practices

Give every collected payment a purpose before spending begins.

For the business you’re building

Plan for today. Build for what lasts.

A lasting business is built through everyday decisions—what to cover now, what to protect next and what to keep building toward. Finsway keeps those priorities visible in one clear plan.

One payment can support today’s work and tomorrow’s direction.

Start planning

FAQ

Questions before you start.

Clear answers about what Finsway does—and what it deliberately leaves under your control.

Does Finsway connect to my bank?

No. You manually enter the amounts you want to plan.

Does Finsway move money?

No. Finsway does not hold, transfer, or initiate movement of funds.

Does it replace accounting software?

No. Finsway supports forward-looking money planning and does not replace formal bookkeeping, accounting records, or tax filing.

What information do I need to enter?

Only the planning information you choose to use: available money, income sources, direct costs, fund allocations, and planned payments.

Can I change an allocation later?

Yes. Your priorities and circumstances can change, so the plan can change with them.

What is remaining margin?

It is the amount left after direct costs are separated from collected money. That remainder can then be allocated across the purposes you choose.

Can I use custom planning periods?

Yes. Finsway supports flexible periods so your plan can follow the rhythm of your business.

What is the difference between planned and distributed?

Planned shows what you intend to set aside or pay. Distributed means the amount has been assigned within the plan. Neither action moves money in your bank account.

Start with the money you have

Give the next payment a clear purpose.

Record it, cover the direct costs and decide what the remaining margin should do next.

Start planning

No bank connection required.