# Read your money brief: what you can pay yourself this week

> Open Finance and tap Pay day, or ask your assistant "how is the business going, and what can I pay myself this week?". You get this pay day's three transfers — to tax, to the contractor buffer and to you — what needs you first, each bank account against what it should hold, the contractor bills due in the next seven days, the overdue invoices and a dated plan in words. It is advice only: you make the transfers in your bank.

URL: https://biloh.com.au/docs/how-to/read-your-money-brief
Category: How-to guides | Audience: operator | Updated: 2026-11-08

**At a glance**

- **Who it's for:** Business owners and the people who run the office
- **What it does:** [What you can pay yourself this week](https://biloh.com.au/capabilities/money-brief)
- **Tools it uses:** [`get_money_brief`](https://biloh.com.au/connect#get_money_brief) · [`get_owner_pay_plan`](https://biloh.com.au/connect#get_owner_pay_plan) · [`get_envelope_targets`](https://biloh.com.au/connect#get_envelope_targets) · [`propose_payment_reminders`](https://biloh.com.au/connect#propose_payment_reminders)
- **What a person approves:** Biloh never moves money: its tools record payments that already happened, and a pay-now link opens the business's own Stripe checkout for its client.

The money brief answers one question: *what do I move, and to where, this pay day?* It reads your
bank accounts, what clients owe you and what you owe subcontractors, and works out three transfers:
**to tax**, **to the contractor buffer** and **to you**.

**Biloh never moves money: its tools record payments that already happened, and a pay-now link opens the business's own Stripe checkout for its client.**

## How do I open it?

**In the app:** open **Finance** and tap **Pay day**.

**Ask your assistant:** "How is the business going, and what can I pay myself this week?" It calls
`get_money_brief` and tells you the headline, the top of what needs you and the first lever.

## What am I looking at?

The **Pay day** page, top to bottom:

- **Next pay day** (or **Pay day today**) with three figures: **To Tax Savings**, **To Contractor
  Buffer** and **To yourself (one transfer)**. Under them: *Advice only — make the transfers in
  your bank app. Nothing here moves money.*
- **Needs you** — the things to deal with, most urgent first.
- **The plan** — the dated plan in words: when the buffer fills, when each tax bill is paid, when
  your pay steps up.
- **Bills ahead** — each dated tax bill: how much, when it is due, what is set aside so far, and
  whether it is **On track**.
- **Contractor buffer** — how full it is against its target.
- **Your pay** — **Your pay this pay day**, the **Safe ceiling**, what it is **Once caught up**, and
  your average takings, business costs and drawings a week.
- **Levers you can pull** — what would improve your position, with the effect of each.
- **The next 8 weeks** — the transfers week by week.

Your assistant's answer carries the same figures, plus each bank account against its target and
the contractor bills due in the next seven days.

## What should I ask next?

- "What can I pay myself, and when am I caught up with the tax?" — the pay plan on its own
  (`get_owner_pay_plan`).
- "How much should be in the tax account and the contractor buffer right now?" — the targets and
  the gap (`get_envelope_targets`).
- "Chase the overdue invoices." — usually the first lever; the assistant prepares one reminder per
  client and shows them to you first (`propose_payment_reminders`). See
  [chase overdue invoices](/docs/how-to/chase-overdue-invoices).

## How do I change the plan?

The tax percentage, the buffer's weekly amount and your pay settings are business settings; ask
your assistant to change one. Set the income-tax
percentage with your accountant — Biloh never guesses a tax rate.

## Related

- [The money brief: the tool sequence for AI assistants](/docs/reference/money-brief-for-agents)
- [Envelopes: the tax set-aside and the contractor buffer](/docs/concepts/envelopes-tax-set-aside-and-contractor-buffer)
- [Chase overdue invoices](/docs/how-to/chase-overdue-invoices)