Business cash flow, month by month
Money in against money out, with salaries, rent and known client payments laid over the coming weeks.
MayJunJulAugSepOct
In October, AED 112,700 came in and AED 88,250 went out, leaving +AED 24,450.
A clear view of your business finances, without the enterprise software.
For owners of small businesses and studios who want to see cash flow, costs and commitments in one place, and make decisions with the numbers in front of them.
What gets in the way
- Cash flow
Revenue looks fine on paper, but payroll and rent land before clients pay.
- Expenses
Costs are logged by hand, late, in a spreadsheet only one person understands.
- Reporting
Putting together a monthly summary takes a day you don’t have.
Income and costs at a glance
Balances across business accounts, this month’s revenue and costs, and what is left.
- Total balance
- AED 186,450
- Money in
- AED 112,700
- Money out
- AED 88,250
- Left over
- +AED 24,450
- Current accountAED 142,300
- SavingsAED 60,000
- Credit card-AED 15,850
Costs sorted by category
Software, suppliers, marketing and travel, each with its own trend, so you can see what is growing.
Where the money went
- SalariesAED 46,00052%
- Office rentAED 14,50016%
- SuppliersAED 9,40011%
- MarketingAED 8,2009%
- SoftwareAED 6,8508%
- TravelAED 3,3004%
Recent activity
- 28 OctInvoice #204 paidClient payments+AED 38,400
- 25 OctTeam salariesSalariesRepeats monthly-AED 46,000
- 23 OctPrint shopSuppliers-AED 2,740
Every recurring obligation
Rent, salaries, licences and insurance in one calendar, with the total committed this month.
Coming up
- Office rentDue on the 1AED 14,500
- Design softwareDue on the 9AED 1,480
- Cloud hostingDue on the 14AED 2,150
- Business insuranceDue on the 20AED 3,900
- Team salariesDue on the 25AED 46,000
Summaries for you and your accountant
Monthly and annual summaries you can export and share.
October / September
| Money in | AED 112,700 | +8% |
|---|---|---|
| Money out | AED 88,250 | +5% |
| Left over | AED 24,450 | +21% |
Financial visibility, not accounting
Summa helps you understand and plan your business finances. It does not keep your statutory books, file VAT or tax returns, run payroll or replace professional advice. Many owners use it alongside their accountant, sharing exported reports.
Who the Business plan is for
Sole traders, freelancers with a trade licence and small companies. Eligibility rules, the number of users and supported business banks will be confirmed at launch.
Supported banks and institutions: First Abu Dhabi Bank, Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, Emirates NBD, Dubai Islamic Bank, Mashreq, HSBC UAE
Questions people ask first
Is there a plan for small businesses?
Yes. The Business plan adds a business cash flow view, business expense categories and reports you can share with your accountant.
Can I keep personal and business finances separate?
Yes. You can mark accounts, income and expenses as personal or business and view each on its own or together.
Does it replace accounting or tax software?
No. Summa helps you see and plan your finances. It does not keep statutory accounts or file VAT or tax returns. You can export reports to share with your accountant.
Can I export my financial information?
Yes. Paid plans can export transactions and reports. Any account can request a copy of its data.
Can I connect my bank account?
Yes, if you bank with one of the seven supported UAE banks: First Abu Dhabi Bank, Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, Emirates NBD, Dubai Islamic Bank, Mashreq or HSBC UAE. Summa reads balances and transactions only after you give permission, and you can remove it at any time. Accounts at other banks can be added manually.
Start seeing your money clearly, from day one
Start on the free planNo time limit. Upgrade only if you need more.See pricing