What is money segregation for small business?
Money segregation means keeping different types of money in separate, clearly labeled accounts — so profit doesn't get spent on payroll, tax reserves don't disappear into operations, and owner's pay is always funded. It's one of the most effective cash flow disciplines a small business can adopt.
The problem is doing it manually. Moving money between accounts twice a month, every month, with the right percentages, is exactly the kind of chore that slips. Allocary automates it.
What Allocary allocates automatically
💰 Profit Reserve
Your business profit, set aside first before expenses touch it. Quarterly distributions from a protected account.
👤 Owner's Pay
Your personal compensation, separated from operating cash so you actually pay yourself consistently.
🧾 Tax Reserve
Income tax set aside so the quarterly estimated tax bill doesn't blindside your operating cash.
📋 Sales Tax Reserve
Sales tax isolated the day you collect it — never accidentally spent before the filing date.
👥 Payroll Withholding
Trust-fund payroll taxes swept to a reserve on your 941 deposit schedule.
⚙️ Operating Expenses
What's left after all reserves are funded — your actual operating budget. Spend freely within it.
How it works with QuickBooks
Allocary connects to QuickBooks Online via Intuit's secure OAuth2 system. It reads your Chart of Accounts to find your designated allocation accounts, calculates the correct amounts based on your percentages and the current Income balance, and records the transfers as QuickBooks journal entries between accounts you own.
You confirm each allocation. Allocary never initiates bank transactions directly — every move is an internal transfer between your own accounts, recorded cleanly in your books.
Automate your money allocation today
Connect QuickBooks in 60 seconds. Set your target percentages. Let Allocary handle every allocation day.
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