This month
Combined — MTD
Revenue vs expenses
Insights
Auto-generated from your data · updated when numbers change
Weekly burn rate review
Go through every expense. Cut what you don't need.
Monthly burn
$0
Marked to cut
$0
0 items
Confirmed keeps
$0
AI flagged
0
Potential cuts
Expected in
$0
Going out
$0
Net
$0
Personal out
$7,500
At risk
$0
Late invoices
April 2026 — money in and out
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Weekly cashflow
Business in vs out + personal
Goals tracker
Set financial goals — AI tracks progress and tells you if you're on track
Set a goal
AI powered
Tell me your financial goal in plain English and I'll track it automatically.
Try: "I want $200k personal cash by end of year" or "I want $200k in the business by December"
Try: "I want $200k personal cash by end of year" or "I want $200k in the business by December"
Current position
Personal
Salary (monthly)$7,500
Trust distributions (FY25)$40,000
Investments (portfolio)$284,500
Personal liquid est.~$85,000
Business
KH Mar revenue$46,500
ECB Mar revenue$27,000
Combined expenses-$42,000
Business net (Mar)+$31,500
AI Advisor
Claude powered
All 6 businesses + personal + trust
I have full context on all your businesses, your personal trust structure, investments, ECB client profitability, KH inventory, and cashflow.
Every conversation is saved — nothing disappears. Ask me anything.
Every conversation is saved — nothing disappears. Ask me anything.
Karin Herzog
Shopify skincare · Active · Real data
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Connecting to Shopify…
Revenue
—
Loading from Shopify…
Orders
—
Live from Shopify
Avg order value
—
For selected period
Best seller
—
Top product this period
eCommerce Boost
Email + CRO agency · Stripe revenue · 10 clients
$27,000
Mar 2026 · mock data
Client MRR
$22,400
10 clients
Digital + affiliate
$4,600
↑ Growing
Staff cost
$0
Net (est.)
+$9,000
33% margin
Better Convert
Shopify app portfolio · Partner revenue · Building
Building
→
Shopify Partner API — once hosted, app revenue pulls automatically. Add each app below with acquisition cost and current MRR. Break-even calculated automatically.
Add an app
App name
Type
Acquisition cost
Monthly MRR
Ad spend/mo
Notes & to-do
→
Shopify App Store ads are not in the Partner API — they're in a separate Shopify dashboard with no public API. Revenue pulls automatically; ad spend must be entered manually or via QuickBooks bank feed.
Nudge Me
Chrome extension · Building · Pre-revenue
Notes & to-do
Add dev costs now to have a real cost basis at launch. Every dollar you spend building this should be logged.
Ovidia
SaaS · Pre-launch · Connect Stripe when ready
→
Yes — once you connect Ovidia's Stripe account, all revenue pulls through automatically. Stripe supports multiple accounts or one account with products tagged by metadata. Either way, Ovidia revenue separates automatically.
Notes & to-do
FollowAI
SaaS · Pre-launch · Connect Stripe when ready
→
Same as Ovidia — yes. Connect FollowAI's Stripe account and revenue flows through automatically, separate from ECB and other businesses.
Notes & to-do
Total debt
$0
All cards + loans
Monthly interest
$0
What debt is costing you
Paid down this month
$0
Projected debt-free
—
At current repayment pace
Debt reduction goals
AI powered
Tell me your debt goal — I'll build a plan
Tell me your debt reduction goal and I'll calculate how much you need to pay each month to hit it — and whether it's realistic given your current cashflow.
Try: "I want to pay off the Amex card by September" or "I want to reduce total debt by $20k this year"
Try: "I want to pay off the Amex card by September" or "I want to reduce total debt by $20k this year"
American Express Business
Business card · Amex → QuickBooks integration available
Current balance
$0
Interest rate
0%
Monthly interest cost
$0
Current balance ($)
Interest rate (%)
Min payment/mo ($)
→
Connect via QuickBooks → Banking → Add Account → American Express. Balance and transactions update daily. Alternatively Amex has a direct QuickBooks integration.
NAB Business Credit Card
Business card · NAB → QuickBooks bank feed available
Current balance
$0
Interest rate
0%
Monthly interest cost
$0
Current balance ($)
Interest rate (%)
Min payment/mo ($)
→
QuickBooks → Banking → Add Account → search NAB. Australian open banking supports NAB business accounts. Balance updates daily once connected.
Debt payoff projection
How long to clear at current vs accelerated repayment
🛍️
Shopify Capital
Merchant cash advance / loan · Karin Herzog · repaid as % of daily sales
Inside Shopify ecosystem
✓
Shopify Capital connects automatically via the Shopify API. Once Shopify is connected, the loan balance, total borrowed, amount repaid, and your daily repayment percentage all pull through automatically. No separate setup needed — it's inside the same Shopify account as your KH revenue data.
Original loan
$0
Total borrowed
Remaining balance
$0
Repaid to date
$0
Daily repayment rate
0%
Of daily Shopify sales
Loan details
Update manually until Shopify connected
Original loan amount ($)
Amount repaid to date ($)
Daily repayment rate (%)
Factor rate (total repay amount)
How Shopify Capital works
Not a traditional loan. Shopify gives you a lump sum and you repay a fixed percentage of your daily Shopify sales automatically — no fixed monthly payment.
Factor rate (not interest rate). If you borrow $25,000 with a 1.12 factor rate, you repay $28,000 total. The "cost" is $3,000 regardless of how quickly you repay.
Faster sales = faster repayment. March was your best month — a $46k revenue month repays significantly more than a $9k month.
For your accountant: Shopify Capital repayments are a business expense (cost of capital), not revenue. The original advance is a liability on your balance sheet. Make sure QuickBooks is treating it correctly.
Repayment history
Log each repayment until Shopify auto-connects
No repayments logged yet. Connect Shopify or log manually below.
Date
Amount repaid ($)
Notes
Monthly take-home
$12,500
Salary + drawings
Monthly expenses
$7,400
Net personal
+$5,100
Goes to savings
Personal cash est.
~$85,000
Income streams
| Type | Source | Monthly | Next |
|---|---|---|---|
| Salary | eCommerce Boost | $7,500 | Apr 15 |
| Drawing | Business account | $5,000 | As needed |
| Distribution | Family trust | Varies | Year-end |
Personal expenses
| Expense | Monthly |
|---|---|
| Rent / mortgage | $3,200 |
| Car + insurance | $1,100 |
| Groceries + living | $2,400 |
| Phone + utilities | $380 |
| Health insurance | $320 |
| Total | $7,400 |
⚠
Drawings of $12,800 from the KH account need formal documentation — either a trust distribution resolution (before 30 June) or a Division 7A compliant loan agreement. Talk to your accountant.
eToro portfolio
$110,500
Manual update · no API
CoinJar crypto
$52,000
BTC + ETH · API ready
Property equity
$122,000
1 investment property
Total portfolio
$284,500
→
eToro has no public API for retail users — update manually monthly (30 seconds). CoinJar does have an API — once this is hosted, BTC and ETH balances update automatically. Both crypto positions held over 12 months qualify for the 50% CGT discount.
Portfolio
Update eToro manually · CoinJar auto when hosted
| Asset | Platform | Value AUD | Source | CGT note |
|---|---|---|---|---|
| ASX + US stocks | eToro | $110,500 | Manual | Depends on holding period |
| Bitcoin (0.42 BTC) | CoinJar | $39,200 | API ready | 50% discount (>12mo) |
| Ethereum (4.8 ETH) | CoinJar | $12,800 | API ready | 50% discount (>12mo) |
| Investment property | Manual | $122,000 | Manual | N/A (equity position) |
FY2025 Financial Summary
Family trust structure · all businesses · generated
Business P&L
Sep 2024 – Mar 2026
Karin Herzog — total revenue$176,249
Karin Herzog — total expenses-$220,827
Karin Herzog — net P&L-$44,578
eCommerce Boost — est. revenue~$27,000/mo
Combined est. monthly net+$31,500
KH data from Shopify. ECB is manual estimate — connect Stripe for actuals. 4 pre-revenue businesses have minimal expenses.
Trust distributions & income
FY2025
Director salary (ECB)$90,000
Trust distributions$40,000
Drawings (KH account)$12,800
Total income to self$142,800
⚠ Drawings of $12,800 need formal documentation — trust distribution resolution or Division 7A loan agreement. Please advise.
Investment positions
As at 30 June 2025
ASX + US shares (eToro)$110,500
Bitcoin — 0.42 BTC held >12mo$39,200
Ethereum — 4.8 ETH held >12mo$12,800
Investment property equity$122,000
Total portfolio$284,500
No disposals in FY25. Crypto held >12 months — 50% CGT discount applies on sale. Rental income $28,600, interest deduction $24,800.
Deductible personal expenses
FY2025 · estimated
Home office (40% of $24,000)$9,600
Phone (70% of $1,800)$1,260
Internet (80% of $1,440)$1,152
Motor vehicle (30% of $8,400)$2,520
Business travel + professional dev$3,708
Total deductible$18,240
Percentages are owner estimates. Supporting receipts available. Please confirm business use percentages and home office method.
Notes for accountant
1. KH acquired Sep-24 for $15,000 — capital cost. 2. ECB figures are estimates until Stripe connected. 3. All businesses operate under family trust. Trust deed on file. 4. QuickBooks setup in progress — bank rules being configured. 5. All businesses share one operating account (separation via QB Classes in progress).