Owner Pay & Distribution Control answers a practical question: how much can the owners take from the business without using cash already needed for bills, restricted balances or the operating reserve? It keeps salary, expense reimbursement, owner-loan repayment, contributions and profit distributions separate, because those transactions do not mean the same thing even when they all move cash.

Start with the balances that are actually available. Remove restricted money and the minimum amount that must stay in each account. Add committed payroll, tax, rent, supplier and debt obligations inside your chosen planning horizon. Protect a fixed reserve or a number of months of essential spending. The result is a cash-safe ceiling based on the records and rules you entered. Money that has not arrived yet never funds the baseline: confirmed and expected receipts stay in clearly labelled scenarios.

Cash capacity is not the same as legally distributable profit. If your accountant or records provide an accounting distribution cap, enter it and the tool applies the lower of the two limits. If no cap is entered, the report keeps that check visibly unresolved instead of presenting cash as legal profit.

For several owners, compare current shares with earlier distributions. The balancing view shows who has already received more or less than the cumulative target and allocates the available pool without creating negative payments. Rounded payouts always add up exactly to the amount allocated. A future-cash scenario can show the first date a requested payment becomes affordable, while the baseline remains conservative.

Worked example: from 100,000 of cash, 10,000 is restricted and 20,000 must remain in the account. Bills inside the horizon are 30,000 and the reserve is 15,000. The cash-safe ceiling is 25,000. If the entered accounting cap has 10,000 remaining, the final ceiling is 10,000. With 60/40 shares, the current allocation is 6,000 and 4,000 unless prior distributions require balancing — with earlier distributions of 8,000 and 0, the cumulative targets are 10,800 and 7,200, so the payouts become 2,800 and 7,200. A request for 12,000 is shown as 2,000 short, never as safe.

What it does not do: calculate personal or company tax, decide legal distributability, move money, replace payroll or provide accounting advice. Every figure is decision support from your own entries, with the formula, its version and the numbers used one click away.

Choose the fictional demo to inspect every tab. A one-time purchase includes the full online tool and the downloadable offline program package. An active PRO subscription includes the full online tool; the new offline package remains part of the one-time purchase.