What the business is worth to you, and what is safe to take home.
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Owner finances is the personal side of the business — your cash runway, your safe annual take-home, your personal cash, investments and personal debt, and what the business is plausibly worth. A team seat can never open it, on either form factor, because it is your net worth rather than the company's operations.
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None of it is inferred from your bank feed. You type it, DeskOps stores it against your org, and only an owner can read it back. Filing status offers Single, Married filing jointly, Married filing separately and Head of household, and it feeds the take-home math.
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It is an illustration from recorded business earnings and cash, limited by the model’s cash and runway assumptions — not a recommendation or a guarantee that a withdrawal is safe. On the phone the same figure is labelled Owner-pay scenario · annual; tap Review assumptions to see its inputs and limiting constraint. If business cash is unknown, the scenario is unavailable. Missing costs or too little history also limit what the figure can tell you. Cash runway sits next to it and estimates how long recorded cash lasts at the recorded burn; read the two together and review your actual obligations before deciding what to pay yourself.
