For owners running more than one company and a household
A transfer from your company to your own account is not income.
Every tool you own counts it anyway. Perpetory reads the statements from every company you own plus your household, strips out the money you only moved, and shows what actually came in. Then it tells you what year that makes you free.
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- What your tools add up, 12 mo
- $808,600
- Your own money, moved
- −$124,400
- What's actually yours
- $684,200
The problem
Every tool you've tried only sees half of your money.
Accounting software only sees the company. Personal finance apps see the household. You manage both. Money constantly crosses between them in amounts and directions that no single tool can follow.
Your numbers are not incomplete. They are incorrect.
A transfer between two companies you own is counted as income by both of them. A distribution to yourself is counted again by your personal app. Consolidation tools exist. They're built for finance departments, they cost more than your bookkeeper, and none of them know your household exists. So you do it by hand once a quarter, and it's wrong by the time you finish.
None of the services you pay for answer the whole question.
Your bookkeeping tells you what one entity did last quarter, accurately but a few months late. The master spreadsheet that adds them together is current and manually updated, so it becomes inaccurate the moment you take a distribution or cancel a contract.
It doesn't tell you what all of it adds up to. It doesn't tell you what's left after the fixed costs you've stopped noticing. And it doesn't tell you whether this year moved you any closer to being done.
Perpetory holds both sides in one frame. Every company and your household are on one screen, with a switch to filter any of them.
| Date | Entity | Description | Category | Amount |
|---|---|---|---|---|
| Mar 04 | Ridgeline LLC | Meridian Group, client wire | Client revenue | +$42,800 |
| Mar 11 | Ridgeline LLC | Ridgeline LLC → personal checking | Internal transfer | $18,000 |
| Mar 18 | Fourth Street Co | Fourth Street Co → Ridgeline LLC | Internal transfer | $25,000 |
| Mar 22 | Ridgeline LLC | AWS, infrastructure | Uncategorized | −$2,140 |
| Mar 26 | Fourth Street Co | Halstead Partners, invoice 2041 | Client revenue | +$16,250 |
showing 1–5 of 312
What it looks like
Every company, your household, one switch
Transactions, imports, analytics, debt and invoices all sit behind the same entity switch. Correct a category once and it stops asking.
- Cash today
- $214,900
- Free cash flow / mo.
- +$7,500
- Fixed costs / mo.
- $11,240
- Total debt
- $486,300
- Balance
- +$90,000
runway 19.1 mo. at $11,240/mo.
cash flow is positive · as of Mar 31
20 % of income · 31 recurring, 3 flagged
business 64 % · personal 36 %
income $684,200 · expenses $594,200
Income vs. expenses
monthly · all entities · excluding internal transfers
Where the money goes
share of expenses · Δ vs. 12-mo. average
- Payroll & contractors$249,600+14 %
- Software & tooling$71,300+3 %
- Rent & utilities$54,000−1 %
- Travel$35,700−9 %
Payroll & contractors ($249,600) is 14 % above the 12-month average.
How it works
Three steps, and the second one is where it clicks
- First
“I can see where the money goes”
Drop in statements and invoices. Perpetory categorizes them, learns from every correction you make and excludes transfers between your own accounts, meaning the totals are accurate. Your numbers appear on the screen before you've even made a decision.
- Then
“I know what's actually left”
Free cash flow, fixed costs you forgot you were paying, debt across every entity and unpaid invoices. The real number, not the one on the bank balance.
- Finally
“I know what year I will be free”
That real number becomes the input to a perpetuity model. This is the capital that pays you indefinitely without eroding the principal and the age at which your current pace will reach it.
What you get
Seven modules, and the entity switch runs through all of them
All of it is included. There's no upgrade waiting behind a module you need.
01 · Import · Data
Statements in, many at once
Entity, column mapping, preview, import. Chase, Bank of America, Wells Fargo, Citi, Amex and Capital One are recognized on sight; anything else you map once. Duplicates are detected, so re-importing a statement is harmless and a bad import undoes in one click.
1 · Entity and files
Entity (account)
Bank / account
Format
- +312 new
- 18 duplicates skipped · 0 rows with errors
02 · Transactions · Money
Every line, every entity, one list
Filter by entity, category, bank or free text. Transfers between accounts you own are marked and excluded from both sides, so the totals stop double-counting money you only moved. Correct a category once and the rule sticks.
A screen for this module goes here. Real product screenshots beat stylised mock-ups — an owner who looks at QuickBooks every day can tell the difference — so these are left until the module ships rather than drawn speculatively.
03 · Overview · Money
Cash, runway and free cash flow
Cash on hand, months of runway at the current burn, free cash flow per month, fixed costs you had stopped noticing, and total debt split business against personal. All of it behind the same entity switch.
A screen for this module goes here. Real product screenshots beat stylised mock-ups — an owner who looks at QuickBooks every day can tell the difference — so these are left until the module ships rather than drawn speculatively.
04 · Analytics · Money
Where it goes, and what changed
Income against expenses by month, share of spend by category, and the delta against your own twelve-month average. Recurring payments and anomalies are flagged rather than left for you to spot.
A screen for this module goes here. Real product screenshots beat stylised mock-ups — an owner who looks at QuickBooks every day can tell the difference — so these are left until the module ships rather than drawn speculatively.
05 · Debt · Obligations
Loans and leases against what actually cleared
Every loan and lease across every entity, business and personal, tracked against the payments that really left the account rather than the schedule you were given.
A screen for this module goes here. Real product screenshots beat stylised mock-ups — an owner who looks at QuickBooks every day can tell the difference — so these are left until the module ships rather than drawn speculatively.
06 · Invoices · Obligations
Who owes you, and how late they are
Receivables with age, overdue tracking, and average days to payment per client. Import from PDF, XML or JSON. An entity that collects by standing order has no receivables, and the module says so rather than showing an empty table.
A screen for this module goes here. Real product screenshots beat stylised mock-ups — an owner who looks at QuickBooks every day can tell the difference — so these are left until the module ships rather than drawn speculatively.
07 · Goal · Investing
The year work becomes optional
The perpetuity model, fed by your real free cash flow rather than a savings rate you guessed. Target capital, work-optional age, and a Monte Carlo view of how the plan holds at several withdrawal rates.
A screen for this module goes here. Real product screenshots beat stylised mock-ups — an owner who looks at QuickBooks every day can tell the difference — so these are left until the module ships rather than drawn speculatively.
The reason to choose it
Every planner asks what you can save each month. You don't know. Perpetory already does.
Your income arrives in irregular amounts and is split across five accounts before it settles. Perpetory computes the pace from your statements, so the date moves when the business moves.
$7,500/mo
Real income minus expenses across every company and your household, divided by the period. Computed from your real statements, with internal transfers excluded — not an estimate you typed into a box. $90,000 over twelve months, with $124,400 of internal movement excluded from both sides.
55years old
Recalculated the moment the pace changes. You're 42 today, have invested $240,000, and your target capital is$2,057,000 at a 3.5%/yr withdrawal rate. Cancel a $900/month contract and this number changes. That is why the two halves sit in one product.
The destination
The year you stop needing the business.
The perpetuity model sizes the capital that pays you indefinitely while the principal holds its real value. The way an endowment works, run for one person and funded by a company instead of alumni.
Work-optional age
55years old
Age 42 today, $240,000 invested, pace $7,500/mo drawn from your actual free cash flow. Recalculated after every deposit you log.
- Target capital
- $2,057,000
- Pays you
- $6,000/mo
- Withdrawal
- 3.5%/yr
You save $7,500 a month and draw $6,000/mo. You only have to replace what the household spends, not what you were putting away.
| Withdrawal | Survives 40 yrs | Keeps real principal |
|---|---|---|
| 3.0% | 96% | 82% |
| 3.5% | 91% | 74% |
| 4.0% | 83% | 65% |
| 4.5% | 74% | 56% |
| 5.0% | 63% | 45% |
Assumptions: 5% real return, 40-year horizon, 40,000 simulated paths, withdrawals adjusted for inflation each year. Every figure is in today's purchasing power.
Every figure in the Goal module is in today's purchasing power. Inflation is handled inside the model, not left to you as homework — including the projection of what your withdrawal has to become in nominal terms to stay worth the same.
Who built this
“I built it for my own three companies. The spreadsheet I was maintaining every Sunday is the reason this exists.”
Where it sits
You've probably already tried three of these
Each is good at something. None was built for a person whose income comes from companies they own.
| Capability | Perpetory | Accounting software | Personal finance apps | Retirement planners |
|---|---|---|---|---|
| Business and personal in one view | ✓Yes: The whole point | ✕No: Business only | ✕No: Household only | ✕No: Personal only |
| Multi-entity switching | ✓Yes: Every view | ✕No: Separate files | ✕No: No | ✕No: No |
| Works without bank access | ✓Yes: Never asks | ✕No: Feeds expected | ✕No: Aggregation-first | ✓Yes: Usually |
| Receivables and overdue tracking | ✓Yes: Built in | ✓Yes: Yes | ✕No: No | ✕No: No |
| Debt across all entities at once | ✓Yes: Business + personal | ✕No: Per company | ✓Yes: Personal only | ✕No: No |
| Built-in analysis of your own figures | ✓Yes: AI analyst | ✕No: Reports only | ✕No: Budgets only | ✕No: No |
| Operations feed the retirement plan | ✓Yes: One click | ✕No: No plan | ✕No: No plan | ✕No: You type it in |
| Deep US tax optimization | ✕No: Not our job | ✓Yes: Via your CPA | ✕No: No | ✓Yes: Excellent |
If you're struggling with Roth conversion ladders and IRMAA brackets, consult a dedicated retirement planner. They're genuinely better at it and can work alongside your accountant. Perpetory doesn't replace your accountant. It replaces the spreadsheet you keep next to them.
Objections, answered
Why we ask for a card up front
Because you'll know in about five minutes. Add one company, drop in one bank statement, and your numbers are on the screen. We ask for a card because at that point you actually know what you're deciding about. And we would rather spend our time on people who mean it than on chasing signups.
You won't be charged for 14 days. We email you on day 11. Canceling takes one click and we don't ask why.
- Coming from a master spreadsheet
- Your spreadsheet works, until you add the fourth entity.
- Coming from QuickBooks per company
- Perpetory doesn't replace QuickBooks. It sits above it and adds your companies together. One price, however many of them there are.
- Coming from ProjectionLab or Boldin
- The model is only as good as the number you type into it. Perpetory computes it from your statements.
- Coming from your bookkeeper
- Keep them. Perpetory doesn't do their job. It answers the question you can't reasonably ask them every month: how much of this is mine, and when is it enough.
- Worried about bank access
- We never ask for your bank login. You upload a statement export when you choose to; there's nothing holding standing access to your accounts.
Pricing
One plan. However many companies you own.
You already pay QuickBooks once per company, $38 a month each on the cheapest plan they sell, plus $129 to $144 a year for a planner that asks you to guess your savings rate. Perpetory is $240 a year, however many companies you own.
Perpetory doesn't count entities, accounts, or years of history. The price is the same whether you run one company or six.
- Unlimited companies, every account, every year of history
- Your household included, and never counted as a company
- Internal transfers excluded across all of them
- The perpetuity model, fed by your real cash flow
If you'd rather pay monthly, it's $24 and you can cancel anytime.
$240 a year
Two months free against monthly. Unlimited companies either way.
$24 a month
Cancel anytime. $240 a year works out two months cheaper.
cancel in one click, no questions
Straight answers
What people ask before they put a card in
Perpetory is financial consolidation and retirement-planning software for US owner-operators who run two to five companies alongside their household finances. It imports bank statements and invoices as files, excludes transfers between entities you own, and turns your real free cash flow into the year work becomes optional. $240 a year, unlimited entities.
- When will I be charged?
- On day 15. $240 for the year, or $24 if you picked monthly. We email you on day 11, and again three days before the trial ends. Canceling takes one click.
- What if I don't use it enough to decide?
- Reply to that day-11 email and we'll extend the trial. Fourteen days isn't much when it lands in a bad two weeks, and you should decide with your own data in front of you.
- What counts as unlimited?
- Every company, every account, every year of history. There's no entity limit, no transaction cap and no upgrade waiting behind a feature you need.
- Do I have to connect my bank?
- No, and there's no option to. You export a CSV and upload it when you choose. The trade is real: files instead of a live feed. In exchange, nothing here holds standing access to your accounts and there's nothing to revoke if you leave.
- I move money between my companies and myself constantly.
- That's the case this was built for. Internal movement is recognized from your own account numbers and excluded from both sides by default between companies and into your household. Without it every screen would be wrong, so it's not a setting.
- My income is lumpy. Does that break the plan?
- There's no monthly savings field anywhere, because owners don't save monthly. You log deposits when they happen, in whatever amount happened, and the pace is calculated backwards into a year. A quarter with nothing in it is a valid entry.
- How much categorizing is this, really?
- Most of the first import, then fewer each month. You only need to correct it once and it will stop asking. Duplicates are detected, so re-importing a statement is harmless and incorrect imports can be undone with one click.
- Is this financial advice? Does it do Social Security and RMDs?
- No to both. This is planning software showing what the arithmetic implies under assumptions you control. Dedicated planners handle tax sequencing well. Perpetory is aimed at the twenty years before that.
Find out which year you can stop. From the money your companies actually make.
Add one company, drop in one statement. Add the second one and watch how much of what looked like income was only ever you, moving your own money.
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