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 use 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.
You're on the list.
We'll write once, when your spot opens. Check your inbox to confirm the address.
- What your tools add up, 12 mo
- $808,600
- Your own money, moved
- −$124,400
- What's actually yours
- $684,200
The same twelve months, two ways of adding them up. The $124,400 difference is money you moved between accounts you already owned. And it's the reason the number in your spreadsheet has never quite matched the number in your head.
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.
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.
None of the services you pay for answer the whole question.
They don't tell you what all of it adds up to. They don't tell you what's left after the fixed costs you've stopped noticing. And they don'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.
Transactions
fixed in this illustration| Date | Entity | Description | Category | Amount |
|---|---|---|---|---|
| Mar 04 | Ridgeline LLC | Meridian Group, client wireCHASE | 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, infrastructureCHASE | Uncategorized | −$2,140 |
| Mar 26 | Fourth Street Co | Halstead Partners, invoice 2041BOFA | Client revenue | +$16,250 |
What it looks like
Every company, your household, one switch
This one is live. Switch between the companies, open any screen in the menu, and turn off “excluding internal transfers” to see what the other tools count.
Overview
sample data · three companies and a household · some controls are fixedCash today
$214,900
Free cash flow / mo.
+$7,500
Fixed costs / mo.
$11,240
Total debt
$486,300
Balance
+$90,000
Income vs. expenses
monthly · All entities · excluding internal transfers
Where the money goes
share of expenses · All entities · March vs. 12-mo. 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, so the totals are right. You see your numbers before you've decided anything.
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. It sizes the capital that pays you indefinitely without eroding the principal, and shows the age your current pace gets you there.
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
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
Bank statements in CSV. The format is detected automatically.
- +312 new
- · 18 duplicates skipped · 0 rows with errors
- Automatically
- Automatically: 26 marked as internal transfer · 282 categorized by rules · 4 left uncategorized
02 · Transactions
The full register
Search and filter by amount, entity, category and period. Recategorize inline and the correction becomes a rule, so it stops asking. Internal movement is marked rather than counted.
| Date | Description | Category | Amount |
|---|---|---|---|
| Mar 26 | Halstead Partners, invoice 2041 | Client revenue | +$16,250 |
| Mar 22 | AWS · infrastructure | Software | −$2,140 |
| Mar 18 | Fourth Street Co → Ridgeline LLC | Internal transfer | $25,000 |
Applying Owner draw to 14 similar transactions
03 · Overview
Five KPIs and the charts under them
Cash today, free cash flow, fixed costs, total debt and balance for whichever entity you have selected, with an AI analyst reading your actual figures for that entity and period rather than generic advice.
Cash today
$214,900
runway 19.1 mo. at $11,240/mo.
Free cash flow / mo.
$7,500
cash flow is positive · as of Mar 31
Total debt
$486,300
business 64 % · personal 36 %
04 · Analytics
Where it actually goes
Period comparison, top counterparties, recurring payments with how long each has run, and anomalies judged against their own category rather than raw size.
Anomalies
expenses well above their category average
| Description | Category | Amount | Cat. avg. | × |
|---|---|---|---|---|
| Bay Ridge Fabrication | Contractors | $38,400 | $9,200 | 4.2 |
| Delta · flights, 6 tickets | Travel | $11,850 | $2,975 | 4.0 |
| Northline Legal, retainer | Professional fees | $9,600 | $3,100 | 3.1 |
Invisible expenses: $14,300 (2.4 % of expenses). These are cash withdrawals that cannot be attributed to a counterparty.
05 · Debt
Business and personal in one total
Loans, leases, mortgages and cards, split by side. Payments match against transactions by keyword, so balances keep themselves current without you maintaining a schedule.
Total debt
$486,300
4 of 5 matched to transactions · 1 needs a keyword
Business debt
$311,300
3 liabilities
Personal debt
$175,000
2 liabilities
Installments / month
$7,080
median of the last 6 installments
| Liability | Balance | Rate | Payment |
|---|---|---|---|
| Ridgeline LLC, equipment loan | $184,600 | 6.4 % | $3,180 |
| Fourth Street Co, vehicle and equipment lease | $96,200 | 5.9 % | $1,760 |
| Cedar Row Holdings, property mortgage | $30,500 | 4.1 % | $540 |
| Personal, household mortgage | $168,200 | 4.6 % | $1,290 |
| Personal, car loan | $6,800 | 5.2 % | $310 |
$486,300 across 5 liabilities · $7,080 / mo. · every payment sits inside its entity's fixed costs
06 · Invoices
Issued and received, together
Outstanding and overdue, customer and supplier breakdowns with turnover, bulk mark-as-paid. PDF, XML or JSON in.
Issued in period
$92,400
24 invoices
Received in period
$61,800
12 suppliers
Unpaid
$41,600
9 invoices · 3 overdue
Expected cash-in within 30 days
$23,500
5 invoices due within 30 days
Unpaid by due date
click a band to filter the list
Not yet due
$23,500
1–30 days
$12,300
31–60 days
$5,800
60+ days
$0
07 · Goal
Your pace, read off what you actually deposited
Perpetuity or spend-to-zero, an irregular deposit ledger, pace calculated backwards from what you actually put in, and plan against reality. How the pace is derived →
Progress
| Total contributed (net of withdrawals) | $204,000 |
| Current portfolio value | $240,000 |
| Average pace | $90,000 / year |
Goal in 13 yrs → age 55. An income of $6,000 per month from age 55 requires $2,057,000.
Free cash flow as your retirement pace
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.
Overview · all entities · last 12 months
$7,500/mo
Real income minus expenses across every company and your household, divided by the period. This is computed from your real statements, with internal transfers excluded. Not an estimate that you typed into a box. $90,000 over twelve months, with $124,400 of internal movement excluded from both sides.
Use free cash flow as paceGoal · the year it becomes optional
55 years old
Your work-optional age is recalculated the moment the pace changes. You're 42 years old today, have invested $240,000, and your target capital is $2,057,000 at a 3.5% withdrawal rate. Cancel a $900/month contract and this number will change. This is why the two halves sit in one product.
Perpetuity model · work-optional age
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
55 years 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
Goal is calculated across all entities
Reference scenarios · 40,000 Monte Carlo runs
| Withdrawal | Survives 40 yrs | Keeps real principal |
|---|---|---|
| 3.0% | 96% | 82% |
| 3.5% | 91% | 74% |
| 4.0% | 83% | 65% |
| 4.5% | 74% | 55% |
| 5.0% | 63% | 45% |
One thing we would rather tell you than have you discover. At 3.5% the plan survives a 40-year horizon with 91% probability. But it preserves the principal in real terms with only 74% probability. Perpetuity in the strict sense doesn't exist. There's only high probability, and a model honest enough to show you both numbers instead of the flattering one.
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.”
Compared with the tools you already use
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 | The whole point | Business only | Household only | Personal only |
| Multi-entity switching | Every view | Separate files | No | No |
| Works without bank access | Never asks | Feeds expected | Aggregation-first | Usually |
| Receivables and overdue tracking | Built in | Yes | No | No |
| Debt across all entities at once | Business + personal | Per company | Personal only | No |
| Built-in analysis of your own figures | AI analyst | Reports only | Budgets only | No |
| Operations feed the retirement plan | One click | No plan | No plan | Typed or synced |
| Deep US tax optimization | Not our job | Via your CPA | No | Excellent |
If you're coming from…
What changes, depending on what you use today
- 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
- A plan is only as good as the savings figure it starts from. Perpetory computes that figure from every company's statements, with the money you only moved taken out.
- 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 at launch
One plan. However many companies you own.
You already pay QuickBooks once per company — $38 a month each on Simple Start — plus $129 a year or more for a retirement planner. Perpetory is $240 a year, however many companies you own, and it reads your savings pace off your statements instead of asking you for it.
Perpetory doesn't count entities, accounts, or years of history. The price is the same whether you run one company or six.
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.
Sales tax included. The price is the amount charged.
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
Join the early-access list and this price is fixed for your first 24 months. How the price lock works →
Get early accessStraight answers
What people ask before they sign up
Perpetory is financial consolidation and retirement-planning software for US owner-operators who run one or more companies — usually several — 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.
- 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.
- Can I track multiple LLCs and my personal finances together?
- Yes, that's what it's for. Each company is its own entity and your household is one more, with no limit on how many. You import statements per entity, transfers between your own accounts are excluded from income and expenses, and every screen shows one entity or all of them added together.
- 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, on by default, and every screen assumes it. The switch exists so you can see what your other tools are counting.
- 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.
- I only have one company. Is this for me?
- Yes, if money moves between it and your household. That's already two sets of books and double-counted income. It's built for owners with two or more, and the case gets stronger with each one you add.
- 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.
- When can I start?
- We're opening Perpetory in small groups so every new owner gets a working first import. Join the list and you'll get one email when your spot opens.
- What will it cost?
- $240 a year, or $24 a month, at launch, sales tax included. One plan: unlimited companies, accounts and years of history, with your household included. Join the list before launch and that price is fixed for your first 24 months. How the price lock works →
- 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.
- 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.
When your spot opens: 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.
You're on the list.
We'll write once, when your spot opens. Check your inbox to confirm the address.