3-Account System Cash Control Xero

The 3-Account Cash System

One bank account makes your cash lie to you. A 3-account system separates money
so you can see what is safe to spend and what must be protected.

The 3 accounts

  • Income: money comes in, then gets split
  • Operating: bills and operating spend
  • Profit: protected, not “whatever is left”
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What this fixes

  • “Profit but no cash” confusion
  • Spending next month’s money by accident
  • Cost creep that hides inside one big balance
  • Owner stress caused by unclear limits