LEDGER.
Solopreneur OS · FY 2025
LIVE · SYNCED 14:02 CONNECTED: STRIPE · WISE · MERCURY
PERIOD YTD · JAN — OCT 2025 | Q4 IN PROGRESS
Good afternoon, Mira

Financial Health / At a Glance

CASH IN · YTD
Revenue across 38 invoices
+18.4%
vs $105.1K last yr
+$124,500
TAXES RESERVED
14.8% of gross income
Q3 PAYMENT DUE OCT 15
$18,400
target · $24,900
RUNWAY
Months of operations at current burn rate of $5.7K/mo.
Cash$82,200
Burn$5,670
Floor6.0 mo
MONTHS
HEALTHY
14.5
projected zero · Dec 2026
CASH OUT · YTD
Across 6 expense categories
-4.2%
Software
$12.4K
Contractors
$18.7K
Office
$11.2K
-$42,300
AWAITING
Open invoices
04
total $9,200
1 OVERDUE
NET MARGIN
Income − Expenses
66%
+$82,200 net
EXPENSE MIX
YTD · $42.3K
Contract
$18.7K
Software
$12.4K
Office
$7.6K
Travel
$3.6K
SUBS
Recurring
12
-$450/mo
Recent Activity

Transactions / Ledger

Date
Description
Category
Amount
Balance
OCT 12
Acme Studio · Retainer #4421
Income · Client
+$8,500.00
$82,200.00
OCT 11
Figma · Org Plan
Expense · Software
-$75.00
$73,700.00
OCT 09
Quarterly Tax Reserve · Q3
Tax · Reserve
-$4,200.00
$73,775.00
OCT 07
Northbeam Co. · Project Milestone 2
Income · Client
+$12,000.00
$77,975.00
OCT 04
Lia Chen · Contractor invoice (illustration)
Expense · Contract
-$2,400.00
$65,975.00
OCT 01
Coworking · Monthly desk
Expense · Office
-$320.00
$68,375.00
What-If

Projections / 12-Month Runway

BASELINE SCENARIO
NovJanMarMayJulSepOct '26
+6.2 mo gained
Scenario Inputs
Hire contractor
+$2,400/mo
Raise rates +20%
+$1,700/mo
Cut 3 subscriptions
-$180/mo
Lose Client: Acme
-$8,500/mo
SaaS launch (Q1)
+$900/mo
QUARTERLY TAXES
Estimated · IRS 1040-ES
Q1 · Apr 15
Paid
$4,100
Q2 · Jun 15
Paid
$4,650
Q3 · Oct 15
DUE IN 3 DAYS
$5,200
Q4 · Jan 15
Estimated
$5,800
ANNUAL TOTAL $19,750