Ray for Solopreneurs
Business and personal finances, finally separated
When your business account is your personal account, every financial question has two answers. Ray gives you both.
The challenge
Business and personal are the same account
Your business revenue hits the same account as your paycheck used to. You're technically profitable but personally broke, and you can't tell which is which.
Revenue isn't income
You brought in $18k last month but $11k was expenses and taxes. You don't know your actual take-home until you do the math manually, which you never do in time.
Runway is a mystery
How many months can your business survive without revenue? The answer requires knowing your real business burn rate separated from personal spend, and nobody tracks that automatically.
Tax separation is a nightmare
Your accountant needs business expenses isolated. You've been meaning to go through six months of transactions to tag them. It hasn't happened.
How Ray helps
Revenue vs. take-home clarity
Ray tracks gross revenue, business expenses, estimated taxes, and what's actually left for you to live on.
❯ what's my actual take-home after business expenses this month?Business runway calculations
Ray separates your business burn rate from personal spending and tells you exactly how long your business can survive a revenue gap.
❯ what's my business runway if revenue drops to zero?Expense categorization for taxes
Ray identifies likely business expenses from your transaction history. Review and confirm instead of starting from scratch.
❯ show me all transactions that look like business expenses this quarterPersonal budget from actual owner draws
Ray builds your personal budget from what you actually transfer to yourself, not from top-line revenue that distorts your spending picture.
❯ based on my owner draws, what's my real personal monthly income?You run a one-person SaaS doing $8k MRR. Your business account has $22k but you're not sure how much is yours vs. how much you need to keep for taxes and operating costs.
❯ my business account has $22k — how much of that can I actually pay myself?
Let me break down that $22k. Your monthly operating costs average $3,200 (hosting, tools, contractor). Estimated quarterly taxes based on YTD revenue: $6,400 due in 46 days. You should keep at least 2 months operating costs as a buffer — that's $6,400. So: $22,000 minus $6,400 taxes minus $6,400 buffer minus $3,200 this month's costs = $6,000 you can safely pay yourself right now. That's consistent with your average owner draw of $5,800/month. Want me to set up an alert when the business account drops below the buffer threshold?
Explore more
Ray for Freelancers
Irregular paychecks, quarterly taxes, and feast-or-famine cycles make traditional budgeting tools useless. Ray works with your actual cash flow patterns.
Ray for Parents
Childcare costs, education savings, growing expenses, and shrinking free time. Ray tracks it all so you can focus on your family.