Tracking business and personal finances without full accounting software
Solo business owners are tired of bouncing between business accounts, personal accounts, spreadsheets, and scattered tax notes. Full accounting setups include extra features they will never use, preventing them from fully understanding their cash flow or knowing exactly what percentages of money to transfer and when.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Using Google Sheets to manually track everything
- 2Juggling multiple business and personal debit accounts and credit cards
- 3Using separate apps like Monarch for personal finance while keeping business on a spreadsheet
- 4Transferring money straight from business accounts into personal savings or vaults
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
r/smallbusiness2 people · September 2026
“I really want to understand my flow fully and what should be transferred there and when, and for what percentages?”source ↗
Jolly-Chapter-4820 · r/smallbusiness · 3 upvotes
Where this came up
People with this problem also raised
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- 3Why do accountants keep messing up my bookkeeping software?
- 4How to track unpaid invoices and follow up with clients
- 6How to handle a house and mortgage before getting married