A finance management application for what your life costs—and what your business costs to run.
This finance management application puts two simple budgets side by side: what your household actually needs, and what the business actually spends—so the numbers stop being a mystery.
- Personal costs
- Business costs
- Income entered
- Expenses grouped
- Irregular bills
- Contingency added
- Actuals compared
- Monthly view
- Yearly view
- Update anytime
- One clear picture
- No spreadsheet
Is this you?
If you have never written the real numbers down, this finance management application is for you.
Most small business owners know roughly what they earn and almost nothing about what they need. Looking for the best small business expense tracking app? Start with an expense tracker for small business that sits beside your budget, inside one business expense management app.
You do not know your real number
You know the mortgage and not much else, so you cannot say what a comfortable month actually looks like.
Personal and business money blur
The same card pays for the shopping and the materials, so neither picture is honest.
Your budget lives in a stale spreadsheet
It was accurate for one week in January and has not been opened since.
Budgets walkthrough
See small business budgeting software build a personal and a business budget in one sitting.
Watch household costs, business costs, income, irregular bills and contingency become two clear budgets, with a business expense tracker showing what was actually spent.
- Personal income
- Housing costs
- Family costs
- Living costs
- Business income
- Software and tools
- Travel and vehicle
- Contractors and help
- Irregular bills
- Contingency
- Planned versus actual
- Monthly overview
Prefer to speak to someone? Book a Live Walkthrough
Are you currently doing this?
You cannot run a business calmly without knowing what it costs to live.
Two simple numbers change everything, and most owners have never written either of them down.
The personal side is a guess
- Household costs never totalled
- Irregular bills forgotten
- No idea what a good month means
The business side is a blur
- Subscriptions nobody reviews
- Costs mixed with personal spend
- Running costs never added up
Nothing is compared
- Planned spend never checked
- Actual spend discovered later
- Surprises treated as bad luck
The tools do not help
- Spreadsheets that go stale
- Budget apps built for salaries
- Numbers separate from the business
You can stop guessing what you need. Personal and business costs can sit in one place and be compared with what actually happened.
Introducing
Budgets inside Alive24.
This finance management application puts two simple budgets side by side: what your household actually needs, and what the business actually spends—so the numbers stop being a mystery.
Prefer to speak to someone? Book a Live Walkthrough
Personal costs
Business costs
Income
Expenses
Contingency
Actuals
Clear picture
Personal costs
The household number, written down.
Business costs
What the business costs to run.
Income
What actually comes in.
Categories
Plain groups that match your spend.
Irregulars
Annual bills included on purpose.
Contingency
A buffer instead of hope.
Planned
What you intended to spend.
Actual
What you actually spent.
Variance
Where the two disagree.
Updates
Adjust it in minutes by voice.
- Personal costs
- Business costs
- Income entered
- Expenses grouped
- Irregular bills
- Contingency added
- Actuals compared
- Monthly view
- Yearly view
- Update anytime
- One clear picture
- No spreadsheet
How it works
From two unknown numbers to two budgets you can maintain.
Five straightforward steps. Click through to see how the budgets stay useful instead of going stale.
You voice-note one thing…
“Here's the receipt from this morning — log it against the job.”
One voice note — your numbers update themselves around it
Step 1 · Personal
Add personal income and expenses
Write the household numbers down once, in plain categories.
- Household income
- Housing
- Utilities
- Family costs
- Transport
- Insurance
Then your personal picture, your business costs and your recorded spend all agree—without a spreadsheet to maintain.
Solved, in one place
Meet the two budgets a solo business actually needs.
Enter your household costs and your business costs once, then keep them honest as life and work change.
One owner
One connected set of numbers
Voice note → Leads updated
Personal income
What the household needs to receive to feel comfortable.
Housing and home
Rent or mortgage, rates, utilities and upkeep.
Family and living
Food, school, transport, health and the everyday costs.
Business income
What the business brings in, entered from your own records.
Software and tools
The subscriptions and equipment the business relies on.
Travel and vehicle
Fuel, vehicle costs and travel needed to do the work.
Irregular costs
Insurance, registrations and annual bills that ambush a month.
Contingency
A deliberate buffer instead of hoping nothing breaks.
Prefer to speak to someone? Book a Live Walkthrough
Built for real businesses
What the honest maths reveals.
The answer is usually pricing, not effort.
Massage therapist
Personal trainer
Beauty and skin therapist
Yoga and pilates teacher
Naturopath and nutritionist
Counsellor and psychologist
Physio and chiropractor
Health coach
Massage therapist
Personal trainer
Beauty and skin therapist
Yoga and pilates teacher
Naturopath and nutritionist
Counsellor and psychologist
Physio and chiropractor
Health coach
Electrician
Plumber
Builder and carpenter
Landscaper and gardener
Painter and decorator
Cleaner and home services
Handyman
Property and rental operator
Electrician
Plumber
Builder and carpenter
Landscaper and gardener
Painter and decorator
Cleaner and home services
Handyman
Property and rental operator
Website designer
Social media manager
Business coach
Business consultant
Marketing consultant
PR consultant
Bookkeeper
Accountant
Virtual assistant
Copywriter
Brand and graphic designer
Photographer and videographer
Course creator and tutor
Maker and product seller
Mobile and local operator
Website designer
Social media manager
Business coach
Business consultant
Marketing consultant
PR consultant
Bookkeeper
Accountant
Virtual assistant
Copywriter
Brand and graphic designer
Photographer and videographer
Course creator and tutor
Maker and product seller
Mobile and local operator
Wellness practitioners
That twenty-two sessions a week is not sustainable, and packages at a higher price are.
Trades
That the current hourly rate cannot fund six weeks off a year, and what rate can.
Coaches
How many program clients a year the target needs, and whether a group offer is required.
Consultants
The retainer base needed so a quiet project month does not hurt.
Makers
The unit price required once unpaid making and admin hours are counted.
Small agencies
The client count and retainer value that funds the life without weekend work.
Say it out loud
Build the budget by simply saying what you spend.
Use normal language about your own costs, then review every category before you rely on it.
“Stage two is complete. Upload these photos, update the client and remind me to send the second invoice tomorrow.”
- Add the mortgage payment
- Add the electricity bill
- Groceries each week
- School costs each term
- Add the vehicle insurance
- Add the software subscriptions
- Fuel each month
- Add the accountant fee
- Set a contingency amount
- Show planned versus actual
- Where am I overspending?
- Update the marketing budget
What that normally means
- Building another spreadsheet
- Digging through bank statements
- Guessing the yearly bills
- Forgetting the annual insurance
- Mixing personal and business
- Abandoning it by February
Alive24 turns what you say into budget categories you review and confirm. The numbers stay yours and nothing is estimated for you.
Time, money and energy saved
Stop carrying your finances around as a vague worry.
Write the numbers down once, compare them with reality and update them in minutes.
What quietly drains the month
- Budget app subscriptions
- Spreadsheets that go stale
- Bank-statement archaeology
- Annual bills as emergencies
- Personal and business blur
- No contingency
- Overspend found late
- Decisions made on hope
Hours of rebuilding, and the stress of never knowing the real number
Inside Alive24
- Personal budget
- Business budget
- Irregular bills included
- Contingency set
- Categories that match your spend
- Planned versus actual
- Updated in minutes
- One connected picture
Two clear budgets kept honest as you work
Time and clarity returned
- No spreadsheet maintenance
- Annual bills anticipated
- Subscriptions reviewed
- Personal and business separated
- Overspend caught early
- Quiet months planned for
- Calmer spending decisions
- A number you can trust
Alive24 is not a bank, payment processor, accountant, bookkeeper or tax, financial or investment adviser, and it is not enterprise accounting software. Budgets, records, inventory, projections and reports reflect the information and assumptions you enter. Keep your accountant for tax, compliance and advice.
See full pricingBefore and after
From “I think we need about that” to two numbers you can trust.
The same costs—the difference is whether they are written down and compared or carried around as a worry.
Before
- Household costs never totalled
- Business costs unclear
- Annual bills forgotten
- Personal and business mixed
- No contingency
- Spreadsheet out of date
- Overspend found afterwards
After
- Household number written down
- Business running cost clear
- Irregular bills included
- Two separate budgets
- Deliberate buffer
- Updated in minutes
- Overspend visible early
Real examples
Perfect for owners who want the real numbers written down once.
The same two budgets work for practical trades, wellness practices, consultants and creative businesses.
- A trades business totalling vehicle, insurance and tool costs
- A wellness practitioner separating room hire from household bills
- A consultant seeing what a comfortable month requires
- A coach planning around programme income
- A maker budgeting materials and packaging
- A creative business reviewing subscriptions honestly
- An owner finding the annual insurance before it lands
- A household number written down for the first time
- Subscriptions cancelled after being seen
- Contingency set instead of hoped for
- Quiet months planned for in advance
- Personal and business spend finally separated
- A budget compared with real recorded expenses
- A budget updated in minutes, not rebuilt
Personal budgetThe household number
What your life actually costs each month.
Business budgetThe running cost
What the business needs to keep going.
Irregular billsNothing ambushes you
Annual costs included on purpose.
Planned vs actualHonest comparison
Recorded spend against the plan.
ContextBeside the business
Budget position sits with the money view.
UpdatesKept current
Adjusted in minutes as life changes.
Swipe or scroll for more
Prefer to speak to someone? Book a Live Walkthrough
Two simple views
One budget for your life. One for the business. Both honest.
They stay separate so each one is readable, and connected so you can see how they affect each other.
- Household income needed
- Housing costs
- Utilities
- Food and family
- Transport
- Health and insurance
- Education
- Lifestyle
- Savings
- Tax allowance you enter
See the real number your household needs each month, written down instead of assumed.
A practitioner enters housing, family, transport and insurance and sees the monthly figure the business has to support.
- Business income
- Software and tools
- Marketing spend
- Travel and vehicle
- Materials
- Contractors and help
- Insurance and fees
- Bank and payment costs
- Irregular annual bills
- Contingency
See what the business actually costs to run each month, including the bills that only arrive once a year.
A trades business adds vehicle costs, insurance, tool subscriptions and materials and finds the real monthly running cost.
See a real budgets exampleReal proof
The numbers stay written down—so decisions stop being guesses.
Working Alive24 examples show personal categories, business categories, contingency and planned figures beside actual recorded spend.
These are realistic Alive24 product examples. Every category and figure reflects the information you enter yourself.
Prefer to speak to someone? Book a Live Walkthrough
Prefer to speak to someone? Book a Live Walkthrough
What you actually receive
The connection between your life and your business, made explicit.
One number that everything else in the system points at.
The life
Describe what you are actually working for.
- Household costs and lifestyle you want to afford
- Holidays, time off and days you will not work
- Savings, debt reduction and long-term goals
- Big purchases with a date on them
- The hours you are willing to work to get it
The number
What the business has to produce.
- Personal income required after tax
- Business revenue and profit needed to fund it
- Business costs and tax included, not ignored
- Monthly and weekly versions of the number
- Adjusted for the weeks you will not be working
The plan
How you actually get there.
- Pricing needed to hit the number
- Jobs, sessions or clients required per week
- Whether it fits the hours you want to work
- Where packages or products beat more hours
- The gap between now and the target, stated plainly
The tracking
Progress you can actually see.
- Real sales against the life target, weekly
- Progress towards each personal goal
- Early warning when the year is drifting
- Suggested actions rather than guilt
- Confidence to say no to the wrong work
Prefer to speak to someone? Book a Live Walkthrough
A simple, readable view
See what you need, what you spend and where it does not match.
Enough detail to make real decisions—without an accounting package in the way.
“This month · household covered, business costs up, buffer intact”
Personal costs, business costs, contingency and actual recorded spend in one comparison.
- 01
Both budgets stay separate
Personal and business costs remain readable rather than blurred together.
- 02
Irregular bills are included
Annual insurance, registrations and replacements stop ambushing a month.
- 03
Actual spend is compared
Recorded expenses show where the plan and reality disagree.
- Personal income needed
- Housing
- Utilities
- Food and family
- Transport
- Insurance
- Business income
- Subscriptions
- Marketing
- Materials
- Paid help
- Irregular bills
- Contingency
- Planned total
- Actual total
Alive24 is informed by more than 20 years of hands-on small-business experience—including knowing that a small business owner needs clear numbers they can read in five minutes, not an accounting course.
Prefer to speak to someone? Book a Live Walkthrough
Two honest budgets instead of one abandoned spreadsheet.
From “I think we need about that” to two numbers you can trust.
Household costs, business costs, annual bills and contingency stay written down and compared with what you actually spent.
From household costs to a business that supports them
See how personal and business budgets connect to the money actually moving through the business.
- 01
Personal income and costs
Housing, family, transport and insurance are written down in plain categories.
Household clear
- 02
Personal budget
The monthly figure your household actually needs becomes visible instead of assumed.
Real number
- 03
Business income and costs
Subscriptions, travel, materials and paid help are totalled honestly.
Costs totalled
- 04
Business budget
What the business costs to run each month, including annual bills and a buffer.
Running cost clear
- 05
Expenses and receipts
Recorded spend flows into the same categories the budget uses.
Actuals recorded
- 06
Business Dashboard
The budget position sits beside money in, money out and live client work.
Context added
- 07
Projections and reporting
Budgets and assumptions feed the view of the months ahead.
Looking forward
- 08
Clearer decisions
Spending, pricing and time-off decisions are made against real numbers.
Decision made
- No budget app subscription
- No stale spreadsheet
- No annual-bill surprises
- No blurred personal and business money
Prefer to speak to someone? Book a Live Walkthrough
Connected, not bundled
Your budgets connect to the money actually moving through the business.
Budgets sit inside Money + Control, comparing what you planned with the expenses, payments and activity recorded as you work.
- 1Business DashboardOne clear view of the whole business.
- 2Expenses + ReceiptsEvery receipt recorded and connected.
- 3InventorySimple product and material records.
- 4Projections + ReportingWhere the business is heading.
- Expenses + Receipts supply the actual spend
- Invoices + Payments supply recorded income
- Business Dashboard shows the budget position beside the work
- Projections + Reporting use the budget as a starting point
- Inventory adds material and product cost where used
- CRM + Pipeline shows the sales behind the income
- Bookings + Calendar shows the working time behind it
- Client Management Area shows the delivery it funds
- Everything stays in one connected system
- Budgets are part of Alive24. Every figure is the information you enter, and this is not tax, financial or investment advice. Solo supports one owner plus two helpers.
Protect your decisions
Know what you need before you decide what to charge or spend.
Two written budgets make pricing, spending and time off decisions far less stressful.
Take the 2-minute budget check
Free, no commitment, with a practical summary of the categories worth writing down first.
Start with SolomonPrefer to speak to someone? Book a Live Walkthrough
Explore the connected system
See how budgets connects across the rest of your business.
Budgets stays inside Money + Control while the leads, sales, client work and payments behind the numbers stay connected.
You
One voice note. One change.
Voice note → Website updated
Prefer to speak to someone? Book a Live Walkthrough
Questions
Budgets—the questions small business owners actually ask.
Still unsure? The full demo answers most of it in a few minutes, without a sales call.
Ready to see budgets working inside one connected system?
This finance management application puts two simple budgets side by side: what your household actually needs, and what the business actually spends—so the numbers stop being a mystery.
Book a Live Walkthrough
See budgets used the way a small business owner actually uses it.
Book a Live WalkthroughSee How Money + Control Works
Explore how budgets, expenses, records, dashboards and projections connect.
See How Money + Control WorksGet Alive24
Own the complete connected system, including Budgets and every Solo money tool.
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