Live
Web app (installable PWA) Small Business Profit Planner
A small business planner and profit tracker for freelancers, makers and Etsy sellers — see what's really yours to pay yourself, send invoices, set tax aside and log mileage.
Try the live demo to explore the application — it runs right here on VaultlyApps with sample data, no sign-up needed.
Till is a small business planner and profit tracker. It records income and expenses, sends invoices, keeps sales tax and income tax set aside, logs mileage and tracks bills, then shows how much of the cash in your business accounts is really available to pay yourself. It is a planning and record-keeping tool — it does not connect to your bank or move money.
When income comes in unevenly, the balance in a business account looks bigger than it is — part of it belongs to the tax office, to suppliers, to upcoming bills and to the card. Small business owners end up guessing what they can safely pay themselves. Till separates that money so the owner's share is visible.
Business cash split into bins — sales tax collected, income-tax set-aside, bills due in 30 days, the card balance, your cushion — and what is left for you, with every line of the calculation one tap away.
Eleven entry types from sales and refunds to owner draws, loans and tax payments; amounts are always positive and the type decides the direction, so there are no wrong-sign mistakes.
Line items, discounts, tax, payment terms and automatic numbers; printable invoices, part payments and copy-ready reminders for overdue clients.
Choose a monthly paycheck and a cushion; six pay stubs show which months are covered so good months can fund quiet ones.
Your own income-tax percentage (never guessed), US quarterly estimated tax dates and sales tax, VAT or GST collected and still held.
Trips with purpose, round trips and clients, a yearly total and a deduction estimate at the rate you confirm.
Profit and loss for any period compared with the one before, profit by client and project, clean printouts and CSV exports for your accountant.
Ring up a sale on your phone and see it on your laptop a moment later — linked once with a 6-digit code or QR, encrypted on the device.
Scroll sideways · select to enlarge
The cash drawer splits business cash into sales tax, income-tax set-aside, bills, card and what is yours
Every sale split into costs, tax and your share
Invoices with line items, payment terms and paid, sent and overdue stamps
Owner pay planner with six monthly pay stubs
Tax set-aside and US quarterly estimated tax dates
Profit and loss report with profit by client and project
Phone and laptop linked with a 6-digit code or QR
Try the live demo with the sample business, Ember & Oak Candle Co.
After buying, open Till from your private link and install it on your phone or computer.
Enter your starting balances and choose your tax percentage.
Ring up sales and costs as they happen and check what is available to pay yourself.
Till's signature screen is the cash drawer. The cash in your business accounts is split into bins — sales tax you collected, the income tax you're setting aside, bills due in the next 30 days, the business card balance and your cushion — and whatever is left is available to pay yourself. Tap "How is this worked out?" to see every line.
It's the business version of a safe-to-spend number. If that idea is new, our guide What is a safe-to-spend number? explains it with worked examples, including irregular income.
Every sale is rung up like a receipt and shows its split: costs, tax and your share, based on your own numbers. Invoices get rubber-stamp statuses, and the owner pay planner prints six pay stubs so you can see which months are covered before you pay yourself. Three themes — Counter, Night shift and Thermal paper — keep the shop-till feel.
Till records eleven entry types: sale, expense, refund to a customer, refund from a supplier, owner draw, owner contribution, transfer or card payment, loan received, loan repayment, tax payment and tax refund. You always type a positive amount; the type decides whether money comes in, goes out or just moves, so there are no wrong-sign mistakes.
You can split one payment across several categories, record only the business share of a mixed purchase, and keep income, direct costs (materials, shipping, platform fees) and operating expenses apart — so net revenue, gross profit, net profit and margin are always clear. A searchable ledger filters by month, account and type, and CSV import brings in bank or marketplace history with a preview and undo.
Create invoices with clients, line items (quantity × rate), discount, tax, payment terms and automatic invoice numbers, with your business name and address on a printable page. Statuses run draft, sent, partly paid, paid and overdue. Record a full or part payment and Till rings up the income for you. For overdue invoices, copy a friendly, firm or final reminder or open it in your email app — Till never sends anything by itself.
Clients and projects show profit for each, so you can see which work is really worth it.
Choose the paycheck you'd like each month and a cushion to keep in the business. Six pay stubs show which months are covered, partly covered or still need funding — good months build a buffer for quiet ones. After three months of records, Till shows what your recent months could have paid you. "Pay myself" records an owner draw; you move the real money in your bank. New to owner's draws? Read how to pay yourself as a small business owner.
Freelancers, makers, Etsy sellers, market and craft-fair sellers, self-employed service providers and sole traders — anyone whose income changes month to month and who wants clearer business finances without building a spreadsheet. It's built for one owner running one small business.
Comparing tools? Our checklist for choosing business software includes Till as an example and a scorecard you can use for any option.
Till has no account and no bank connection. Your records stay on your own devices. Link your phone and laptop once with a 6-digit code or QR, and a sale rung up on your phone appears on your laptop a moment later — encrypted on the device before it travels. A device that was offline catches up when it reconnects. Backup and restore take one file.
Till installs from your private link on iPhone, iPad, Android, Mac, Windows and Chromebook and works offline once installed. Any currency symbol works, sales tax can be renamed VAT or GST, and distances can be miles or km.
Landlords can use RentRoll for rental properties alongside Till. For personal money — the household side of a small business owner's life — see Vault or Flow.
Till is a planning and record-keeping tool, not tax, legal or financial advice. Records stay on your own devices; it needs internet the first time you open it on each device and works offline after that.
Further reading
Business Software
Owner's draw or salary, how much to take, and how to turn uneven income into a steady paycheck — a practical guide for sole proprietors, freelancers, makers and small business owners, with a worked example.
Personal Finance
Your bank balance isn't what you can spend. A safe-to-spend number subtracts bills, savings and planned spending first — here's the formula, worked examples for monthly, weekly and irregular pay, and the mistakes to avoid.
Personal Finance
Subscriptions are designed to be forgotten. A simple four-step audit — find, convert to yearly cost, decide, and set reminders — puts every recurring charge back under your control. Includes a worked audit and a cancellation checklist.
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The live demo runs in your browser with realistic sample data. Nothing to install, nothing to sign up for.
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