Direct project costs
Start with costs created by delivering the work, such as contractors or project-specific tools.
PRIVATE MONEY PLANNING FOR SMALL BUSINESSES
Your balance shows what you have - not what it’s already for.
Finsway turns incoming money into a clear plan for direct costs, owner pay, taxes, reserves and upcoming commitments - without connecting your bank.
Create your account to build and save your own business-money plan.
- No bank connection
- No transaction import
- No automatic money movement
One incoming payment. Several planned purposes.
12,500recorded payment
4,200direct costs
8,300remaining margin
Taxes1,660
Owner pay3,320
Operating funds1,660
Reserve830
Unallocated830
You decide the structure. Finsway keeps it visible.
EARLY BETA
Try Finsway early.
Shape what comes next.
Explore a clearer way to plan business money and help us build Finsway around real business needs.
Start planningFree during beta. No payment details required.
What you can explore
- 01Plan direct costs from the recorded payment
- 02Give the remaining margin a clear direction
- 03See what is planned and what still needs attention
- 04Review each period before making it read-only
Built with early users.
Finsway is still evolving, and your experience will help shape the product.
Beta features may change as Finsway develops.
When an incoming payment arrives
One payment can already have several jobs.
Contractors, project tools, tax, owner pay, operations and reserves can all depend on the same payment received by your business. A single balance does not show those planned purposes by itself.
What must be covered first?
What is already committed?
What still needs a purpose?
What genuinely remains?
Finsway makes the decision visible before the next spending action.
12,500recorded payment
Taxes
Suppliers
Owner pay
Reserve
Goals
The Finsway method
Cover the work first. Then plan what remains.
Use a two-stage plan to separate the cost of delivering the work from the margin that remains.
Remaining-margin plan
Assign only the remaining margin to the planned purposes chosen for the business.
Recorded payment − direct project costs = remaining margin
A plan records an intention. It does not move or verify money.
You decide
Finsway gives you the map. You make the decision.
Finsway does not prescribe a universal allocation or tell you how to run the business. It brings the payment, direct costs, remaining margin, and the business priorities you choose into one view.
How it works
See where the money came from-and where it needs to go.
Build the plan in four deliberate steps. Nothing moves unless you move it.
-
1
Record an incoming payment.
Add money received by your business to the plan.
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2
Cover direct costs.
Account for materials, supplier costs, project costs or other commitments directly connected to producing the work.
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3
Give the remaining margin a purpose.
Plan what remains across taxes, owner pay, operations, reserves and goals.
Remaining margin 8,300TaxesOwner payOperating fundsReserveGoals -
4
Keep upcoming payments visible.
Prepare future commitments before they affect the amount left in the plan.
Planning tools
Built for clear decisions-not more financial noise.
Everything stays connected, from the source of the money to its planned purpose.
Income sources
See the source of money received by your business before deciding how to plan it.
Two-stage allocation
Cover direct costs first, then plan the remaining margin.
Purpose-based funds
Create planned purposes for taxes, pay, operations, reserves, and goals.
Planned payments
Keep upcoming commitments visible before they affect the plan.
Flexible periods
Plan weekly, monthly or around the rhythm of your business.
Private records
Choose what enters Finsway. No bank sync or automatic transaction feed is required.
Finsway is for planning. It does not move money, replace accounting, or provide financial advice.
Manual by design
Your plan stays separate from your bank.
You choose what enters Finsway. A bank connection and automatic transaction feed are not required. The plan does not prove that money was transferred, reserved, or paid.
- No required bank connection.
- No automatic money movement.
- No accounting replacement.
For the business you’re building
Plan for today. Build for what lasts.
A lasting business is built through everyday decisions-what to cover now, what to protect next and what to keep building toward. Finsway keeps those priorities visible in one clear plan.
One payment can support today’s work and tomorrow’s direction.
Start planningFAQ
Questions before you start.
Clear answers about what Finsway does-and what it deliberately leaves under your control.
Does Finsway connect to my bank?
A bank connection is not required. You manually record the business money you want to plan.
Does Finsway move or reserve money?
No. Finsway records a planning decision. Any transfer, payment, or bank action happens separately.
What happens after direct costs are covered?
The remaining margin becomes the amount you plan across tax, owner pay, operations, reserves, and goals. Finsway records those planned purposes but does not complete the related payments or transfers.
Is remaining margin the same as profit?
No. Remaining margin is the recorded payment minus the direct costs attached to delivering that work. It is a planning base, not a claim about accounting profit or spendable cash.
Does Finsway replace accounting software?
No. Accounting software records and reports financial activity. Finsway addresses the earlier planning decision: what the incoming money is intended to cover.
Do I need an account to build a plan?
Yes. Create your account to build and save your own business-money plan. You can review the fictional two-stage example on this website before you start.
Fictional two-stage example
See how one payment becomes a plan
Review a fictional example before creating your own plan.
See the worked exampleStart planning
Create your account to build and save your plan.