For small businesses that want control of their cash
You got paid. Now know what’s actually yours.
Connect your business finances and RESERVD shows what your money needs to do next — what has to stay protected, what keeps the business running, and what’s genuinely safe to save.
Free plan · No card needed · Set up in about 5 minutes
Xero available now. More accounting platforms and manual workflows coming.
Money in the bank isn’t all yours.
Part of every balance already belongs to something. RESERVD works through it in the same order every time, so you can see what’s left.
- Cash$48,250
What’s in the business bank today.
- Protected$21,400
GST, tax and job costs that were never yours to spend.
- Operating$9,600
A buffer to keep the business running.
- Set aside$3,750
Planned tax and reserves you’re building.
- Potential surplus$13,500
What’s left after all of that.
- Safe to Save$13,500
What you can genuinely use or put away.
Demo figures. If something is short — say, a tax bill isn’t covered — RESERVD tells you exactly how short instead of showing a confusing zero.
Your accounting software tells you what happened. RESERVD helps you understand what the money needs to do next.
Your books stay in your accounting software. RESERVD reads them and answers the question that comes straight after every payment.
The product
Clear answers, right where you’d look for them.
One number you can trust before you move money.
Safe to Save is what’s left after everything else is covered. When something is short, RESERVD says how short — and what to do about it.
- The whole picture on one screen
- A plain-English reason behind every figure
- What needs your attention, in order
Every payment, with its job to do.
Open any payment to see how it was split. Payments already in Xero before you joined stay clearly marked as history.
- Searchable payment history from Xero
- Expected payments you can plan around
- Each confirmed split kept as an audit trail
Job costs stay protected until they’re paid.
When a job is paid, its remaining materials, labour and subcontractor costs stay protected — so a good week doesn’t spend next week’s supplier bill.
- Estimated and confirmed costs, clearly labelled
- Every job that still has costs to cover
- Close a job when its costs are done
Quote, then track it in Xero.
Build quotes from your own items with the maths done for you, create the draft quote in Xero, and follow it to Accepted and Invoiced. Quote Assistant — enquiry or plan in, proposed quote out — is in early access for selected trades.
- Totals worked out line by line
- Draft quotes created in your own Xero
- Status follows Xero automatically
Who it’s for
Built for small businesses of every shape.
If money comes in, but GST, tax, wages, bills and your own pay all go out later, RESERVD is for you — whether or not you work in jobs.
Trades and construction
Builders, concreters, electricians, plumbers and landscapers paying for materials, crews and subcontractors — with job costs protected until they’re paid.
Services, freelancers and agencies
Consultants, cleaners, mobile services and small teams whose income arrives in invoices and whose tax, wages and bills follow behind.
Retail, online and everyone else
Shops, ecommerce and owner-operators — with or without employees — who want to know what they can safely take or save.
Job costing is there when you need it — never required. Xero is available now; more accounting platforms, CSV import and a manual mode are planned.
What happens after you sign up
From sign-up to clear answers in minutes.
No spreadsheets, no accounting knowledge. Skip anything you’re unsure about and confirm it later.
Create your account
Email and password, then confirm your email.
Tell us about your business
A few short questions — about five minutes.
Connect your accounting
Xero is available now — sign in through Xero and choose your organisation. More platforms and manual options are coming.
See your cash, explained
Payments already in Xero are kept as history. Every new payment is worked through for you.
Security
Built carefully, because it’s your money.
Xero’s own sign-in
RESERVD never sees your Xero password, and its access tokens are stored encrypted on our servers.
Your business only
Each business’s data is isolated at the database level. One business can never read another’s.
You stay in control
RESERVD never moves money or contacts your customers. Disconnect Xero whenever you like.
Pricing
Start free. Go Pro when you want full control.
The Free plan shows you what’s happening with your business money. Pro protects it, plans it and tells you what to do next.
- Free — $0
- Your cash overview, an accounting connection (Xero available now), basic quoting and job visibility.
- Pro — $99 AUD / month
- Cash Guard, complete Safe to Save, automatic sync and full history. Launching soon, with a launch offer of $69/month for your first 3 months, then $99/month.
- No surprises
- No card to start. You’re only charged if you choose Pro, and you can cancel anytime.
Questions, answered
Is RESERVD accounting software?
No. Your accounting stays in your accounting software — RESERVD reads it (Xero today) and shows what your cash needs to do. It doesn’t replace your bookkeeping or your accountant.
What happens to payments already in Xero?
They’re recorded as history when you connect. Only payments Xero records after that are treated as new money, so nothing is counted twice.
Does RESERVD give financial or tax advice?
No. RESERVD is a cash-planning tool. Its tax figures are planning estimates — check them with your accountant.
Can RESERVD move my money?
No. RESERVD never moves money, pays bills or sends anything to your customers.
Know what’s actually yours.
Connect your business finances and see your cash explained. Start free — no card needed.