The ones you forget are the ones you paid for.
Business spending buried in a personal account is rarely claimed wrongly. It is not claimed at all.
Tax authorities test the expense, not the account. Singapore and the UK ask whether a cost was incurred wholly and exclusively to earn business income. The US asks whether it was ordinary and necessary for the trade. Neither cares which card you used, only that you can point at the charge.
- The domain renewal in MarchOne line, once a year, eleven months from the last time you thought about it.
- The tool you stopped usingStill billing. Eleven months of it, and every month was deductible.
- The client lunchOn the statement it looks like lunch, because that is all a statement can say.
So the work is finding them. Finding them a year later in a spreadsheet is why most people give up and claim nothing.
One decision per merchant.
A year of spending is hundreds of charges across maybe thirty merchants. You do not sort charges. You sort merchants, once, and the charges follow.
- Mark AWS onceEvery AWS charge you have already imported changes with it, and so does every one that turns up next month.
- Mark the odd one out on its ownThe client dinner on the personal card is one row, marked one row at a time. A merchant rule never overrules a decision you made about a specific charge.
Hand the business side to your accountant.
Export to CSV. There is a scope column next to the category, so filtering to the business rows is one step in any spreadsheet.
Export is on the paid plan. A split that stops at the screen is not worth doing, so this is the half you are actually paying for.
Running a company on your own?
Same thing, other way round. Mark the company account as the business one and its charges start there, with the personal ones tagged as the exceptions. Company cards buy lunch too, and on a company account that is the one worth catching.
What is not here yet is a second person. One login, one set of books. If you need your co-founder or your bookkeeper in the same account, that is not built, and we would rather tell you now than after you have imported a year.
This is not accounting software.
No invoices, no payroll, no double entry, no filing. If you have a bookkeeper, they keep their job. This is the part before theirs, where a year of mixed spending turns into a list they can use.