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.
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.