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Your business
Kept $7,482
Fixed costs$227Rent, bills, software
Work costs$3,886Stock, help, shipping
Fees & ads$3,846Platform fees and ads
Money in$15,440Sales and clients
For one-person companies

Your business at a glance.

What came in, what went out, what you kept, and how long your cash will last. No accounting needed.

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Free during early access · No bank password · Works with your bank’s CSV files

Four questions every one-person business asks

Accounting software answers them with reports. MiniCFO answers them with four numbers you can read at a glance.

Did I actually make money this month?Kept: money in minus every cost, fees, stock, rent and subscriptions included.
How long would my cash last?Cash on hand, and how many months it covers if nothing comes in.
How much did I pay myself?Taken home, person by person, kept apart from the business’s costs.
How much has to come in?Break-even: the money in a month needs to pay the costs and you.
41%of one-person businesses were losing money
43%struggle with cash flow that comes and goes
17.6days: the cash a typical small business holds

Sources: Federal Reserve Banks, Small Business Credit Survey, report on firms with no employees (2025 survey); JPMorgan Chase Institute, small business cash buffers (2025).

Open it, and you know where you stand

One home page with the month’s answer, your cash, your pay and the few things that need you. Then a page for money in and one for costs.

The home page of the Nova Goods example: the building and four cards beside it.
  1. 1This monthWhat you kept, and where the money in went.
  2. 2Cash on handWhat you have today, and how long it lasts.
  3. 3For you to doOnly the few things that need you.
  4. 4Taken homeWhat you paid yourself, line by line.

Bookkeeping without the chore

Every dollar in and every cost out, without typing in a single bank line.

Drop your bank fileDownload the CSV your bank or card already offers and drop it in. Every line is sorted, and personal spending stays out.
Tap, type, doneServers, Claude, rent, a client payment: the usual costs and income are ready-made. Pick one and type the amount.
Set it onceSubscriptions and rent are counted every month on their own, and never twice when your bank file shows them.

Not sure about a line? We ask once, and your answer becomes a rule for next time.

Your business, as a little building

Money comes in on the ground floor. Each floor up takes its share. What reaches the roof is yours.

Roof: keptWhat reaches the roof is what you kept.
Fixed costsRent, software, insurance: paid whatever you sell.
Work costsStock, materials, help and shipping: they grow with the work.
Fees & adsPlatform fees, payment fees and ads.
Money inSales and client payments come in on the ground floor, after refunds.

Made for one-person companies

Each example is a whole company with a year of made-up books. Open one, no sign-up needed.

Online storesNova Goods · One person, an online store on Shopify. AI tools, ads, stock. No rent.
Small brands with partnersField & Thread Co. · Three partners, a clothing brand with a studio, production runs and pop-ups.
Freelancers and consultantsStudio Lumen · A freelance designer: two retainers, project work and a client who pays late.
Indie developersPaperboat Apps · An indie developer: a small app on Stripe, servers, AI tools, Cloudflare and domains. No rent.

Your numbers stay yours

No bank password, everYou upload the files your bank already gives you. Nothing logs in to your bank.
Files gone after 24 hoursWe read the lines, then delete the original file.
Yours to takeExport every line or delete everything, any time.

Free during early access

Everything is included while we build MiniCFO with its first users. We will tell you well before that changes, and your books can always be exported.

Early access$0
  • The building and every dashboard
  • Unlimited lines and files
  • Partners and several companies
  • English and Chinese
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Questions

Do I have to connect my bank?

No. Download the CSV your bank or card already offers and drop it in. Nothing asks for your bank password.

Does it do my taxes?

No. MiniCFO shows where your business stands. At tax time, export clean books for yourself or your accountant.

What counts as “kept”?

Money in after refunds, minus every cost: fees, stock, rent, subscriptions. Money you take home is not a cost, so it is shown on its own.

I have partners. Does it fit?

Yes. Invite them by email: everyone sees the same books, and what each of you took home.

Can I try it without signing up?

Yes. Open one of the example companies and look around.

Which banks work?

Any bank or card that exports a CSV file, plus Etsy monthly statements.

See where your business stands.

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