For businesses doing $500K to $20M in sales

Your numbers, finally clear.

Focus on Cash reads your Profit and Loss and Balance Sheet and tells you what is happening in your business, in plain English.

Book a walkthrough Try the What If

The Overview screen in Focus on Cash. A headline reads: The business makes money. Your pay is what tips it into a loss. Below it, a Sales to Profit Flow chart traces $7.9M of sales through costs to a small loss. — **The Overview.** It opens with what your numbers mean, then shows where the money went. Demo company.

See your numbers while you can still do something about them.

Today

Your accountant’s reports arrive weeks or months after the period ends.
The reports in Xero show the numbers, but not what they mean.
Your own spending sits inside the business, so it looks worse than it is.
A price rise or a new hire gets decided on gut feel.
You find out cash is tight when the bank balance tells you.

With Focus on Cash

Upload or sync whenever you like, and the analysis is ready straight away.
Your numbers come with what they mean, in plain English.
One switch shows the business with and without your own costs.
Test a price rise or a new hire in the What If before you commit.
Cash flow and cash runway sit next to profit, so you can see a squeeze coming.

Owner expenses

Your pay can hide a good business.

With the owner’s costs inside it, the demo company above shows a loss. Separate what the owner spends through the business, and it made $891.8K over the last 12 months.

One switch shows the business with and without the owner’s costs. Then you can decide: grow the business into your pay, or set your pay to what the business can carry.

Owner expenses included. The headline reads: The business makes money. Your pay is what tips it into a loss. The chart ends in an operating loss. — **Included.** The owner’s costs sit inside the business, and it shows a loss.

Owner expenses separated. The headline reads: Profitable, generating cash, and trends are heading the right way. The chart shows $1.2M of owner’s expenses as their own branch and a profit. — **Included.** The owner’s costs sit inside the business, and it shows a loss.

Set up

Sort your accounts once.

On the first upload, Focus on Cash sorts your accounts into Sales, Cost of Sales and expenses. Check the list and fix anything that looks wrong.

Tick the costs that belong to the owner, and split shared ones like the family car. Focus on Cash remembers, so every later upload or Xero sync uses your choices.

Four accounts ticked as owner’s expenses: Family Car split 50%, Mum and Dad’s Phone, Personal Investments and Drawings, and Personal Travel. — **Owner’s expenses, ticked.** The family car is split 50% to the owner.

The Check Your Sales and Expense Classifications step. Each account has a classification such as Sales, plus tick boxes for payroll and owner’s expenses. — **The mapping step.** Each account gets a classification. Change any of them from the list. Demo company.

Try it

Test a decision before you make it.

This is the real What If screen, running on the demo company. Change price, sales volume, costs or how fast customers pay you, and watch profit and cash move. No login.