Your business beside your money. Never inside it.
Track all your business money with Yoseri. Invoices, payments in, expenses, taxes owed, salary — all in one place, kept apart from your personal budget.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Status on September 4, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example — a studio with three invoices — and every amount on this page comes from it, none from a real business. The private beta opens on October 1: join the waiting list.
One screen that knows what is yours.
A business balance is a mix: your money, the government’s taxes, next spring’s income tax. The dashboard splits it before you spend it.
ON THE ACCOUNTS
6 066,62 $business accounts, credit cards excludedTO SET ASIDE
558 $collected taxes and estimated income taxREALLY AVAILABLE
5 509 $what is left once provisions are outPROFIT THIS YEAR
1 946 $$2,460 collected, $514 spentTwo actions, and the books stay true.
The dashboard opens on the two things a freelancer actually does: deposit an invoice — client, amount, the taxes calculate themselves — and note an expense. Everything else follows from those two.
- “To do” list on the dashboard: the taxes collected and still owed come first
- Pending, this month, to provision: three numbers, always on screen
- Five tabs of their own: Dashboard, Invoicing, Cash flow, Costs, Business
On the accounts
Studio · worked example6 066,62 $
of which $558 to provision — $5,509 left
COLLECTED THIS YEAR
2 460 $EXPENSES
514 $PROFIT
1 946 $PENDING
552 $To do: taxes collected and still owed, $320 — on your paid invoices.
An invoice that knows its taxes.
Client, amount — and GST + QST at 14.975% calculate themselves. Each invoice carries its number, its status, and the unpaid ones are the first thing you see.
Sent, paid, late: a status is a fact.
The worked example carries three invoices: F-003 sent on September 2 and waiting for its $552, F-002 and F-001 paid in August. Nothing late — and if something were, it would say so first.
- Numbered in sequence — F-001, F-002, F-003 — because an auditor will ask
- Clients kept with their history: three clients, and what each one brought in
- Collected, pending, late: the year’s three totals above the list
Latest invoices
GST + QST · 14.975%2 460,47 $
collected · $552 pending · $0 late
Sept. 2 · sent
552 $Aug. 27 · paid
1 023 $Aug. 15 · paid
1 437 $Three clients this year. Studio Nord inc. is the largest: $1,437.
tresorerie | What your cash balance hides in taxes still owed, worked out from your own invoices.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
$6,067 in the account. $5,509 is yours.
The screen says it in one sentence: of these $6,067, about $558 does not belong to you yet — collected taxes and estimated income tax. Spending it in November is how March gets painful.
TODAY
6 066,62 $business accounts onlyIN THIS MONTH
0 $F-003 is still pendingOUT THIS MONTH
240 $net this month: −$24090-DAY FORECAST
includedfrom your declared recurrencesThe 90-day forecast only knows the recurrences you declared: it guesses no variable expense, and does not pretend to. A forecast that invents your groceries would just be a prettier lie.
What to set aside, shown with its sources.
$557.90 to set aside in the worked example — and the screen shows the arithmetic line by line, because a number you cannot check is a number you cannot trust.
Official table, your figures, and a warning.
Collected GST + QST on paid invoices: $320.47. Profit for the year: $1,946. Applied rate: 12.2%, from the official Québec table. Estimated income tax: $237. Every line is your own data against a published rate.
- Instalment reminders: what the State expects during the year
- Tax deadlines watched: none in the next 90 days, and it says so
- An order of magnitude to provision — not tax advice, not your return
To set aside
Where it comes from557,90 $
collected taxes + estimated income tax on profit
on paid invoices
320,47 $official Québec table
12,2 %on $1,946 of profit
237 $An order of magnitude, computed on your figures and official rates. Your accountant has the last word.
The wall between the books, and the two doors through it.
A business expense never lands in your personal budget, and a personal one never lands in your books. But two flows do cross — a salary and a shared card — and both cross without being keyed twice.
Paying yourself
Two entries, one truthThe payment leaves the business as an expense and lands in your personal account as income, named after the company and marked as paid by it. The two sides cannot disagree.
The card you had on you
Marked “business”, it moves on its ownA purchase paid with your personal card and marked as business shows up on the company side by itself — so the reimbursement is not the thing you have to remember in March.
The business share of a bill
A percentage, not a guessYour phone serves both lives: set its business share once, and every month the same fraction crosses the wall — visible, dated, reversible.
Switching side
One tap, and backYou move between the personal account and the business one from the worlds sheet. Nothing is copied, nothing is merged: two sets of books that know how to talk to each other.
What the self-employed ask us.
The answers carry figures, and the limits are stated alongside the capabilities.
Is Yoseri Pro accounting software?
No. It is the business side of your money: invoices issued and tracked, cash flow read honestly, provisions computed on official rates. It produces no tax return and replaces no accountant — it makes sure your accountant gets clean numbers.
Do I need a separate Yoseri account for my business?
No. The business world lives in the same app, behind the worlds sheet — one tap to cross, one to come back. What is separate is the data: its own accounts, its own tabs, its own totals.
Where do the tax rates come from?
From published tables — GST + QST at 14.975%, and the official Québec income-tax table, which puts the worked example at 12.2%. The screen names its source next to the number, so you can check it against the government’s own page.
What if I am incorporated, not self-employed?
The separation works the same: business books apart, salary crossing as two entries, director’s reimbursements tracked. What changes is the tax arithmetic — corporate rates differ, and the app says when an estimate does not apply to your structure.
How much does Yoseri Pro cost?
The prices live on the pricing page, and only there — this page does not repeat them, so the two can never disagree.
Keep looking around
The flat-share, the couple, the trip: who paid, who owes what, in one line each — and joining costs nothing.
See Share StatementsDrop a PDF, a photo or a CSV: read on your device, nothing sent to a server, free plan included.
See statements Accounts and net worthYour personal side: accounts gathered, internal transfers cancelled out, and net worth computed as assets minus debt.
See the accountsYour business, readable tonight.
Open the business world, deposit your first invoice, and the dashboard starts saying what is yours and what is the government’s — from the very first line.
Same account, separate books. Read-only, always: Yoseri moves no money.