[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f3t9yb1q7aam93":3,"$f3ejv6im9865hv":836},[4,17,25,33,41,49,57,65,73,81,93,101,109,116,124,132,140,148,156,164,172,184,192,200,208,216,224,236,244,252,260,272,280,288,296,304,312,320,332,340,348,356,364,376,384,392,400,408,416,424,432,440,448,456,464,472,484,492,500,508,516,524,532,540,548,556,564,571,579,591,599,607,615,627,635,643,651,659,671,679,687,695,703,715,723,731,739,747,755,767,775,788,796,804,812,820,828],{"_id":5,"guidecategory":6,"navigationlabel":12,"slug":13,"subtitle":16,"title":12},"b19c369b-83c3-42a6-9c89-28644ce1d02a",{"_id":7,"description":8,"hidden":9,"slug":10,"title":11},"guideCategory-getting-started","Let's get you set up and running in two shakes of a ledger",false,"getting-started","Getting Started","Day-one checklist",{"_type":14,"current":15},"slug","day-one-checklist","Everything to set up on your first day in stub, in 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movement history.","Track inventory and stock",{"_id":245,"guidecategory":246,"navigationlabel":247,"slug":248,"subtitle":250,"title":251},"guide-default-tax-rates-on-items",{"_id":227,"description":228,"hidden":9,"slug":229,"title":230},"Tax on items",{"_type":14,"current":249},"default-tax-rates-on-items","Set the VAT or Sales Tax rate once on a product or service and every invoice, quote, bill and purchase order works the tax out for you.","Set a default tax rate on an item",{"_id":253,"guidecategory":254,"navigationlabel":255,"slug":256,"subtitle":258,"title":259},"guide-import-product-catalogue",{"_id":227,"description":228,"hidden":9,"slug":229,"title":230},"Import products",{"_type":14,"current":257},"import-product-catalogue","Upload your product list — spreadsheet, CSV, PDF or photo — and stub reads it in. No template to download and no columns to map.","Import your product catalogue",{"_id":261,"guidecategory":262,"navigationlabel":267,"slug":268,"subtitle":270,"title":271},"guide-how-to-categorise-transactions",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"guideCategory-income-expenses","Transactions, book-keeping, categorisation and anything related to cash","income-expenses","Income & Expenses","Categorise transactions",{"_type":14,"current":269},"how-to-categorise-transactions","stub categorises most of your bank transactions as they arrive and matches payments to invoices — your job is reviewing what's left over.","Categorise your transactions",{"_id":273,"guidecategory":274,"navigationlabel":275,"slug":276,"subtitle":278,"title":279},"guide-how-to-record-income-and-expenses",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"Record income & expenses",{"_type":14,"current":277},"how-to-record-income-and-expenses","Log a sale or a cost yourself — from a bank transaction or from scratch — and know when something is income, an expense or an asset.","Record income and expenses",{"_id":281,"guidecategory":282,"navigationlabel":283,"slug":284,"subtitle":286,"title":287},"guide-cash-accounts",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"Cash accounts",{"_type":14,"current":285},"cash-accounts","Give your till, your petty cash tin and your payment wallets their own accounts in stub, so cash never gets tangled up with your bank balance.","Set up your cash accounts",{"_id":289,"guidecategory":290,"navigationlabel":291,"slug":292,"subtitle":294,"title":295},"guide-split-transactions-across-categories",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"Split a transaction",{"_type":14,"current":293},"split-transactions-across-categories","One payment, two or more categories — split a transaction and give each line its own category and amount until nothing is left over.","Split a transaction across categories",{"_id":297,"guidecategory":298,"navigationlabel":299,"slug":300,"subtitle":302,"title":303},"guide-match-bank-deposits-to-invoices",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"Match deposits to invoices",{"_type":14,"current":301},"match-bank-deposits-to-invoices","Tie the money in your bank feed to the invoice it settles, so the payment closes the invoice instead of counting as income twice.","Match a bank deposit to an invoice",{"_id":305,"guidecategory":306,"navigationlabel":307,"slug":308,"subtitle":310,"title":311},"guide-handle-personal-expenses",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"Personal expenses",{"_type":14,"current":309},"handle-personal-expenses","Keep personal buys out of your profit and claim back the business costs you paid for yourself — how to categorise drawings and reimbursements.","Handle personal spending on a business account",{"_id":313,"guidecategory":314,"navigationlabel":315,"slug":316,"subtitle":318,"title":319},"guide-add-vat-to-income-and-expenses",{"_id":263,"description":264,"hidden":9,"slug":265,"title":266},"VAT on income & expenses",{"_type":14,"current":317},"add-vat-to-income-and-expenses","The VAT is already inside the amount you recorded — pick the rate on an income or expense and stub works out the tax portion for you.","Add VAT to income and expenses",{"_id":321,"guidecategory":322,"navigationlabel":327,"slug":328,"subtitle":330,"title":331},"guide-record-and-track-supplier-bills",{"_id":323,"description":324,"hidden":9,"slug":325,"title":326},"guideCategory-bills","Bills, purchase orders, and anything else you owe or pay to a supplier","bills","Bills","Record bills",{"_type":14,"current":329},"record-and-track-supplier-bills","Capture what you owe a supplier and when it falls due, so nothing catches you out — and know when to record a bill instead of an expense.","Record and track supplier bills",{"_id":333,"guidecategory":334,"navigationlabel":335,"slug":336,"subtitle":338,"title":339},"guide-purchase-orders",{"_id":323,"description":324,"hidden":9,"slug":325,"title":326},"Purchase orders",{"_type":14,"current":337},"purchase-orders","Agree items, quantities and prices with a supplier before the goods ship, send the order like an invoice, then turn it into a bill on arrival.","Raise a purchase order",{"_id":341,"guidecategory":342,"navigationlabel":343,"slug":344,"subtitle":346,"title":347},"guide-pay-supplier-bills",{"_id":323,"description":324,"hidden":9,"slug":325,"title":326},"Pay bills",{"_type":14,"current":345},"pay-supplier-bills","Record what you've paid against a bill so it closes and the total you owe stays right — link a payment already in stub, or enter a new one.","Pay a supplier bill",{"_id":349,"guidecategory":350,"navigationlabel":351,"slug":352,"subtitle":354,"title":355},"guide-recurring-expenses",{"_id":323,"description":324,"hidden":9,"slug":325,"title":326},"Recurring expenses",{"_type":14,"current":353},"recurring-expenses","stub doesn't repeat supplier bills, so here's how to handle rent, subscriptions and utilities — automatic paperwork into Files, plus a saved view.","Handle recurring expenses",{"_id":357,"guidecategory":358,"navigationlabel":359,"slug":360,"subtitle":362,"title":363},"guide-debit-notes",{"_id":323,"description":324,"hidden":9,"slug":325,"title":326},"Debit notes",{"_type":14,"current":361},"debit-notes","Record goods returned to a supplier, or a bill they overcharged you on — a debit note says the supplier owes you, and closes the loop on the bill.","Raise a debit note",{"_id":365,"guidecategory":366,"navigationlabel":371,"slug":372,"subtitle":374,"title":375},"guide-insights-dashboard",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"guideCategory-insights-and-reports","P&L, Cash Flow, Balance Sheet, Trial Balance, VAT\u002FSales Tax reports, custom reporting, and tags","insights-and-reports","Insights & Reports","Insights dashboard",{"_type":14,"current":373},"insights-dashboard","The one screen that answers how your business is doing right now — cash, profit, who owes you — without running a single report.","Your Insights dashboard",{"_id":377,"guidecategory":378,"navigationlabel":379,"slug":380,"subtitle":382,"title":383},"guide-profit--loss-report",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Profit & Loss",{"_type":14,"current":381},"profit--loss-report","What you earned, what it cost you and what was left — by month or by tag, so you can see when and where the profit actually came from.","Profit & Loss report",{"_id":385,"guidecategory":386,"navigationlabel":387,"slug":388,"subtitle":390,"title":391},"guide-cash-flow-report",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Cash Flow",{"_type":14,"current":389},"cash-flow-report","The money that actually moved in and out, and what's left — the report that tells you whether you can pay the rent on Friday.","Cash Flow report",{"_id":393,"guidecategory":394,"navigationlabel":395,"slug":396,"subtitle":398,"title":399},"guide-balance-sheet-report",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Balance Sheet & Trial Balance",{"_type":14,"current":397},"balance-sheet-report","What your business owns and owes on any date, and the Trial Balance that proves the books add up — including what to do when it doesn't.","Balance Sheet and Trial 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reports",{"_id":417,"guidecategory":418,"navigationlabel":419,"slug":420,"subtitle":422,"title":423},"guide-receivables-report",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Receivables",{"_type":14,"current":421},"receivables-report","Two reports covering every unpaid invoice — one for what's already late, one for what's coming up — so you chase in the right order.","Receivables: who owes you money",{"_id":425,"guidecategory":426,"navigationlabel":427,"slug":428,"subtitle":430,"title":431},"guide-payables-report",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Payables",{"_type":14,"current":429},"payables-report","Two reports covering every unpaid supplier bill — one for what's already late, one for what falls due next — so no payment surprises you.","Payables: what you owe and when it's due",{"_id":433,"guidecategory":434,"navigationlabel":435,"slug":436,"subtitle":438,"title":439},"guide-vat-and-sales-tax-report",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"VAT & Sales Tax reports",{"_type":14,"current":437},"vat-and-sales-tax-report","What you collected for the tax authority, what you paid and can claim back, and what you owe — the reports your VAT return is built from.","VAT and Sales Tax reports",{"_id":441,"guidecategory":442,"navigationlabel":443,"slug":444,"subtitle":446,"title":447},"guide-custom-reports-with-tags",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Report by tag",{"_type":14,"current":445},"custom-reports-with-tags","Split any report by tag to see which job, site, channel or campaign actually made money — not just whether the business as a whole did.","Report by project, branch or campaign",{"_id":449,"guidecategory":450,"navigationlabel":451,"slug":452,"subtitle":454,"title":455},"guide-create-and-manage-tags",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Tags",{"_type":14,"current":453},"create-and-manage-tags","Label invoices, bills and expenses by project, branch, channel or campaign, so you can report on each one separately later.","Create and manage tags",{"_id":457,"guidecategory":458,"navigationlabel":459,"slug":460,"subtitle":462,"title":463},"guide-how-to-export-and-share-reports",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Export & share reports",{"_type":14,"current":461},"how-to-export-and-share-reports","Download any stub report as a PDF or a CSV and send it to your accountant, your bank or your business partner — and which format suits which job.","Export and share a report",{"_id":465,"guidecategory":466,"navigationlabel":467,"slug":468,"subtitle":470,"title":471},"guide-troubleshooting-unexpected-report-numbers",{"_id":367,"description":368,"hidden":9,"slug":369,"title":370},"Report numbers look wrong",{"_type":14,"current":469},"troubleshooting-unexpected-report-numbers","Six things to check when a report doesn't match what you expected — dates, cash versus accrual, uncategorised transactions, duplicates and tax.","Why your report numbers look wrong",{"_id":473,"guidecategory":474,"navigationlabel":479,"slug":480,"subtitle":482,"title":483},"guide-accounting-101-lets-crack-this-nut",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"guideCategory-accounting","General Ledger, Chart of Accounts, opening balances, and anything debit\u002Fcredit related","accounting","Accounting","Accounting 101",{"_type":14,"current":481},"accounting-101-lets-crack-this-nut","The bits of accounting you actually need to run a business — the five account types, profit, what you're owed and what you owe — without the textbook.","Accounting 101: the basics for business owners",{"_id":485,"guidecategory":486,"navigationlabel":487,"slug":488,"subtitle":490,"title":491},"guide-chart-of-accounts",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Chart of Accounts",{"_type":14,"current":489},"chart-of-accounts","Adjust the categories every transaction gets filed under so your reports speak your language — add, rename, group and archive accounts.","Customise your Chart of Accounts",{"_id":493,"guidecategory":494,"navigationlabel":495,"slug":496,"subtitle":498,"title":499},"guide-default-accounts",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Default accounts",{"_type":14,"current":497},"default-accounts","Tell stub which accounts to post sales, discounts, online payments, transfers, asset disposals and payables to — set once under Finance.","Set your default accounts",{"_id":501,"guidecategory":502,"navigationlabel":503,"slug":504,"subtitle":506,"title":507},"guide-opening-balances",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Opening balances",{"_type":14,"current":505},"opening-balances","Bring your starting numbers in when you switch to stub — bank balances, what you're owed and what you owe — so every report starts from the truth.","Set your opening balances",{"_id":509,"guidecategory":510,"navigationlabel":511,"slug":512,"subtitle":514,"title":515},"guide-vat-gst-and-sales-tax",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"VAT, GST & Sales Tax",{"_type":14,"current":513},"vat-gst-and-sales-tax","Turn tax on once and stub adds it to everything you sell and buy, then prepares the return before it's due — VAT, GST or Sales Tax, whichever you file.","Set up VAT, GST or Sales Tax",{"_id":517,"guidecategory":518,"navigationlabel":519,"slug":520,"subtitle":522,"title":523},"guide-income-tax",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Income Tax",{"_type":14,"current":521},"income-tax","Tell stub who you file as — business type, tax regime, tax number and year end — and it prepares your income tax returns before they fall due.","Set up Income Tax",{"_id":525,"guidecategory":526,"navigationlabel":527,"slug":528,"subtitle":530,"title":531},"guide-general-ledger",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"General Ledger",{"_type":14,"current":529},"general-ledger","The master log of every transaction in your books — filter to one account, follow the running balance, and click any line through to its source.","View your General Ledger",{"_id":533,"guidecategory":534,"navigationlabel":535,"slug":536,"subtitle":538,"title":539},"guide-how-to-add-a-manual-entry",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Manual entries",{"_type":14,"current":537},"how-to-add-a-manual-entry","Record the handful of adjustments that don't come from an invoice, bill or bank feed — a debit line and a credit line that have to balance.","Post a manual journal entry",{"_id":541,"guidecategory":542,"navigationlabel":543,"slug":544,"subtitle":546,"title":547},"guide-how-to-set-your-financial-year",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Financial year & currency",{"_type":14,"current":545},"how-to-set-your-financial-year","The two settings every report is built on — the month your financial year starts, and the currency your books are kept in.","Set your financial year and currency",{"_id":549,"guidecategory":550,"navigationlabel":551,"slug":552,"subtitle":554,"title":555},"guide-multi-currency-and-exchange-rates",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Multi-currency",{"_type":14,"current":553},"multi-currency-and-exchange-rates","Invoice customers and pay suppliers in any currency while your books stay in one — stub pulls the rate and posts the gain or loss for you.","Multi-currency and exchange rates",{"_id":557,"guidecategory":558,"navigationlabel":559,"slug":560,"subtitle":562,"title":563},"guide-how-to-add-loans-and-liabilities",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Loans & liabilities",{"_type":14,"current":561},"how-to-add-loans-and-liabilities","Track what the business owes — bank loans, vehicle finance, and the money you've put in yourself — and let stub post the repayments.","Add loans and liabilities",{"_id":565,"guidecategory":566,"navigationlabel":567,"slug":568,"subtitle":570,"title":567},"guide-retained-earnings",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Retained earnings",{"_type":14,"current":569},"retained-earnings","The profit your business has kept instead of paying out, why it sits under Equity on your Balance Sheet, and why you never have to touch it.",{"_id":572,"guidecategory":573,"navigationlabel":574,"slug":575,"subtitle":577,"title":578},"guide-reconcile-your-bank-accounts",{"_id":475,"description":476,"hidden":9,"slug":477,"title":478},"Reconcile accounts",{"_type":14,"current":576},"reconcile-your-bank-accounts","Make what stub says is in your bank match what your bank says — work down the uncategorised list, then check the closing balances agree.","Reconcile your bank accounts",{"_id":580,"guidecategory":581,"navigationlabel":586,"slug":587,"subtitle":589,"title":590},"guide-how-to-add-assets",{"_id":582,"description":583,"hidden":9,"slug":584,"title":585},"guideCategory-assets-depreciation","The gear, equipment, property or other assets that your business holds","assets-depreciation","Assets & Depreciation","Record an asset",{"_type":14,"current":588},"how-to-add-assets","Log the expensive things your business owns — vehicles, laptops, machinery — so they sit on your Balance Sheet instead of vanishing into expenses.","Record a business asset",{"_id":592,"guidecategory":593,"navigationlabel":594,"slug":595,"subtitle":597,"title":598},"guide-how-to-add-depreciation",{"_id":582,"description":583,"hidden":9,"slug":584,"title":585},"Depreciation",{"_type":14,"current":596},"how-to-add-depreciation","Spread the cost of expensive gear across the years you use it — pick straight line or diminishing value and stub posts it every month.","Calculate and record depreciation",{"_id":600,"guidecategory":601,"navigationlabel":602,"slug":603,"subtitle":605,"title":606},"guide-dispose-of-or-sell-an-asset",{"_id":582,"description":583,"hidden":9,"slug":584,"title":585},"Dispose of an asset",{"_type":14,"current":604},"dispose-of-or-sell-an-asset","Take an asset off your books when you sell, scrap or retire it — depreciation stops on the disposal date and stub posts the gain or loss.","Dispose of or sell an asset",{"_id":608,"guidecategory":609,"navigationlabel":610,"slug":611,"subtitle":613,"title":614},"guide-asset-register",{"_id":582,"description":583,"hidden":9,"slug":584,"title":585},"Review assets",{"_type":14,"current":612},"asset-register","See everything the business owns, what each item is worth now after depreciation, and what's already been written off or disposed of.","Review your asset register",{"_id":616,"guidecategory":617,"navigationlabel":622,"slug":623,"subtitle":625,"title":626},"guide-connecting-your-bank-to-stub",{"_id":618,"description":619,"hidden":9,"slug":620,"title":621},"guideCategory-apps","Connect anything to stub: bank feeds, POS, e-commerce, payment gateways and more","apps","Apps","Connect bank feeds",{"_type":14,"current":624},"connecting-your-bank-to-stub","Link your business bank account and your transactions arrive in stub every day — no downloading statements, no retyping. Owner-only.","Connect your bank to stub",{"_id":628,"guidecategory":629,"navigationlabel":630,"slug":631,"subtitle":633,"title":634},"guide-how-to-connect-yoco-to-stub",{"_id":618,"description":619,"hidden":9,"slug":620,"title":621},"Connect Yoco",{"_type":14,"current":632},"how-to-connect-yoco-to-stub","Connect your Yoco card machine and every card sale lands in your books automatically — what it syncs, and the categories it posts to.","Connect Yoco to stub",{"_id":636,"guidecategory":637,"navigationlabel":638,"slug":639,"subtitle":641,"title":642},"guide-connect-streamelements",{"_id":618,"description":619,"hidden":9,"slug":620,"title":621},"Connect StreamElements",{"_type":14,"current":640},"connect-streamelements","Alert your stream the moment someone pays or donates through your stub payment page — connect StreamElements under Settings → Apps.","Connect StreamElements to stub",{"_id":644,"guidecategory":645,"navigationlabel":646,"slug":647,"subtitle":649,"title":650},"guide-app-sync",{"_id":618,"description":619,"hidden":9,"slug":620,"title":621},"App sync & settings",{"_type":14,"current":648},"app-sync","Turn on background sync so an app's data flows into stub on its own, then set its start date, location and tips account.","Keep a connected app in sync",{"_id":652,"guidecategory":653,"navigationlabel":654,"slug":655,"subtitle":657,"title":658},"guide-remove-a-bank-account",{"_id":618,"description":619,"hidden":9,"slug":620,"title":621},"Remove a bank account",{"_type":14,"current":656},"remove-a-bank-account","Disconnect an account you didn't mean to add — a personal one, or the wrong one — and clear out the transactions it brought in, in the right order.","Remove a bank account and its transactions",{"_id":660,"guidecategory":661,"navigationlabel":666,"slug":667,"subtitle":669,"title":670},"guide-manage-multiple-businesses-in-stub",{"_id":662,"description":663,"hidden":9,"slug":664,"title":665},"guideCategory-business-setup","Team member access, user permissions, and running multiple businesses under one login.","business-setup","Business Setup","Multiple businesses",{"_type":14,"current":668},"manage-multiple-businesses-in-stub","Keep separate businesses under one stub login and switch between them in a click — nothing is shared, and each has its own billing.","Manage multiple businesses",{"_id":672,"guidecategory":673,"navigationlabel":674,"slug":675,"subtitle":677,"title":678},"guide-manage-your-team",{"_id":662,"description":663,"hidden":9,"slug":664,"title":665},"Manage your team",{"_type":14,"current":676},"manage-your-team","Bring co-founders, staff or your accountant into your books with their own login, and control what each of them can reach.","Manage your team and permissions",{"_id":680,"guidecategory":681,"navigationlabel":682,"slug":683,"subtitle":685,"title":686},"guide-add-or-change-a-business-owner",{"_id":662,"description":663,"hidden":9,"slug":664,"title":665},"Change owner",{"_type":14,"current":684},"add-or-change-a-business-owner","Make a partner a co-owner, or hand the business over entirely — ownership is a role several people can hold, set from Settings → Team.","Add or change a business owner",{"_id":688,"guidecategory":689,"navigationlabel":690,"slug":691,"subtitle":693,"title":694},"guide-reset-or-delete-your-business",{"_id":662,"description":663,"hidden":9,"slug":664,"title":665},"Reset or delete",{"_type":14,"current":692},"reset-or-delete-your-business","Restore from Trash, clear your cache, reset a business to empty, or delete it for good — four actions, in increasing order of permanence.","Reset or delete your business",{"_id":696,"guidecategory":697,"navigationlabel":698,"slug":699,"subtitle":701,"title":702},"1982b21a-877b-4481-abfa-7f5f525b88e9",{"_id":662,"description":663,"hidden":9,"slug":664,"title":665},"Custom SMTP",{"_type":14,"current":700},"send-email-from-your-own-domain","Send invoices, quotes, statements and payment reminders through your own mail server, so they arrive from a domain your clients already know — set it up, verify it, and switch it off or remove it whenever you like.","Send email from your own domain with custom SMTP",{"_id":704,"guidecategory":705,"navigationlabel":710,"slug":711,"subtitle":713,"title":714},"guide-manage-your-subscription",{"_id":706,"description":707,"hidden":9,"slug":708,"title":709},"guideCategory-account-billing","Subscription plan, payment methods, account configuration and billing","account-billing","Account & Billing","Subscription",{"_type":14,"current":712},"manage-your-subscription","See which plan a business is on, what it costs and what your card fees are — then upgrade, change plan or cancel from Settings → Billing.","Manage your subscription and plan",{"_id":716,"guidecategory":717,"navigationlabel":718,"slug":719,"subtitle":721,"title":722},"guide-update-your-payment-card",{"_id":706,"description":707,"hidden":9,"slug":708,"title":709},"Payment card",{"_type":14,"current":720},"update-your-payment-card","Change the card stub bills, or fix a payment that failed — stub never stores your card, so both happen in the secure billing portal.","Update your payment card",{"_id":724,"guidecategory":725,"navigationlabel":726,"slug":727,"subtitle":729,"title":730},"guide-download-stub-invoices",{"_id":706,"description":707,"hidden":9,"slug":708,"title":709},"stub tax invoices",{"_type":14,"current":728},"download-stub-invoices","Get the tax invoices for your own stub subscription, for your records and your VAT claim — under Settings → Billing → Tax invoices.","Download your stub tax invoices",{"_id":732,"guidecategory":733,"navigationlabel":734,"slug":735,"subtitle":737,"title":738},"guide-how-to-get-stub-on-your-phone",{"_id":706,"description":707,"hidden":9,"slug":708,"title":709},"stub on mobile & desktop",{"_type":14,"current":736},"how-to-get-stub-on-your-phone","Put stub one tap away on your phone, tablet or computer — there's nothing to download from an app store, because stub is a web app.","Get stub on your phone or desktop",{"_id":740,"guidecategory":741,"navigationlabel":742,"slug":743,"subtitle":745,"title":746},"guide-cancel-or-close-account",{"_id":706,"description":707,"hidden":9,"slug":708,"title":709},"Cancel or close",{"_type":14,"current":744},"cancel-or-close-account","Three different things — stop paying, delete a business, or close your login for good — and what happens to your records in each case.","Cancel your subscription or close your account",{"_id":748,"guidecategory":749,"navigationlabel":750,"slug":751,"subtitle":753,"title":754},"guide-change-billing-date",{"_id":706,"description":707,"hidden":9,"slug":708,"title":709},"Billing date",{"_type":14,"current":752},"change-billing-date","Move the day stub bills you so it lands when the money's there — up to 31 days later, with a pro-rata charge for the extra days.","Change your billing date",{"_id":756,"guidecategory":757,"navigationlabel":762,"slug":763,"subtitle":765,"title":766},"guide-find-your-account-id",{"_id":758,"description":759,"hidden":9,"slug":760,"title":761},"guideCategory-developers","Building on the stub platform","developers","Developers","IDs & keys",{"_type":14,"current":764},"find-your-account-id","Where to find your API key, Business ID, Profile ID, MCP server address and App IDs in stub — and what each one is actually for.","Find your account ID, business ID and keys",{"_id":768,"guidecategory":769,"navigationlabel":770,"slug":771,"subtitle":773,"title":774},"guide-troubleshoot-api-errors",{"_id":758,"description":759,"hidden":9,"slug":760,"title":761},"API errors",{"_type":14,"current":772},"troubleshoot-api-errors","What 401, 403, 404, 429 and empty responses from the stub API mean, and the fix for each — usually a key, a business or a date range.","Troubleshoot stub API errors",{"_id":776,"guidecategory":777,"navigationlabel":783,"slug":784,"subtitle":786,"title":787},"guide-how-to-connect-your-capitec-account-to-stub-2-easy-ways",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"ff28f1f4-eff7-46fd-a947-265343838d58","How to connect your bank account for specific banks",true,"banks","Banks","Connect Capitec",{"_type":14,"current":785},"how-to-connect-your-capitec-account-to-stub-2-easy-ways","Link a Capitec business or personal account so your transactions arrive in stub automatically — two routes to the same result.","Connect Capitec to stub",{"_id":789,"guidecategory":790,"navigationlabel":791,"slug":792,"subtitle":794,"title":795},"guide-connect-absa",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"Connect Absa",{"_type":14,"current":793},"connect-absa","Link your Absa account so transactions arrive in stub automatically every day — access number, PIN and password, then an approval step.","Connect Absa to stub",{"_id":797,"guidecategory":798,"navigationlabel":799,"slug":800,"subtitle":802,"title":803},"guide-connect-standard-bank",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"Connect Standard Bank",{"_type":14,"current":801},"connect-standard-bank","Link your Standard Bank account so transactions arrive in stub automatically every day — internet banking login, plus an approval step.","Connect Standard Bank to stub",{"_id":805,"guidecategory":806,"navigationlabel":807,"slug":808,"subtitle":810,"title":811},"guide-connect-nedbank",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"Connect Nedbank",{"_type":14,"current":809},"connect-nedbank","Link your Nedbank account so transactions arrive in stub automatically every day — Nedbank ID login, plus an approval in the app.","Connect Nedbank to stub",{"_id":813,"guidecategory":814,"navigationlabel":815,"slug":816,"subtitle":818,"title":819},"guide-connect-fnb",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"Connect FNB",{"_type":14,"current":817},"connect-fnb","Link your FNB account so transactions arrive in stub automatically every day — online banking login, plus approval by Smart InContact.","Connect FNB to stub",{"_id":821,"guidecategory":822,"navigationlabel":823,"slug":824,"subtitle":826,"title":827},"guide-how-to-connect-your-investec-accounts-to-stub",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"Connect Investec",{"_type":14,"current":825},"how-to-connect-your-investec-accounts-to-stub","Link your Investec bank or savings accounts so transactions arrive in stub automatically — including several accounts at once.","Connect Investec to stub",{"_id":829,"guidecategory":830,"navigationlabel":831,"slug":832,"subtitle":834,"title":835},"guide-connect-rmb-private-bank",{"_id":778,"description":779,"hidden":780,"slug":781,"title":782},"Connect RMB Private Bank",{"_type":14,"current":833},"connect-rmb-private-bank","Link your RMB Private Bank account so transactions arrive in stub automatically every day — online banking login, plus an approval step.","Connect RMB Private Bank to stub",{"_id":377,"_updatedAt":837,"content":838,"featuredimage":1231,"guidecategory":1232,"pro":780,"subtitle":382,"title":383,"contentHtml":1233,"headings":1234},"2026-09-03T01:58:52Z",[839,848,854,861,895,905,915,925,931,957,963,976,987,997,1007,1017,1023,1041,1047,1053,1063,1073,1083,1093,1103,1109,1166,1172,1182,1204,1220],{"_key":840,"_type":841,"children":842,"style":847},"e5e59e2e06fc","block",[843],{"_key":844,"_type":845,"text":846},"bf406d212fd1","span","Almost every real decision in a small business — can I take on someone, is that client worth keeping, can I afford the bigger premises — comes down to one question: did we make money, and where did it go? The Profit & Loss report is that answer, written out. It takes everything you have recorded and lays it out for any period you choose: what you earned, what those sales cost you, what you spent keeping the doors open, and what was left at the end.","normal",{"_key":849,"_type":841,"children":850,"style":847},"9908bac645f6",[851],{"_key":852,"_type":845,"text":853},"c3ff2e729e77","Its real value is in the comparison, not the single number. Run it month by month and a slide you spot in March is still a March problem you can fix. Run it once a year, at year end, and you are reading a post-mortem.",{"_key":855,"_type":841,"children":856,"style":860},"19acf832bfe5",[857],{"_key":858,"_type":845,"text":859},"f0b7daba8668","What to know before you trust the number","h2",{"_key":862,"_type":841,"children":863,"level":893,"listItem":894,"style":847},"fdd7031862a8",[864,869,872,877,880,883,886,890],{"_key":865,"_type":845,"marks":866,"text":868},"a8a7028af960",[867],"strong","stub counts an invoice on the day you send it, not the day you get paid.",{"_key":870,"_type":845,"text":871},"cae1cd6346ff"," This is the most common question support gets about this report: profit looks healthy, the bank account is empty. Both are true. Profit & Loss tells you what you ",{"_key":873,"_type":845,"marks":874,"text":876},"a511f9512302",[875],"em","earned",{"_key":878,"_type":845,"text":879},"dfa6c844e65a","; the money is sitting in invoices your customers have not paid yet. ",{"_key":881,"_type":845,"marks":882,"text":387},"6b9750ff669b",[867],{"_key":884,"_type":845,"text":885},"5ee5c74932c4",", plus what is still outstanding under ",{"_key":887,"_type":845,"marks":888,"text":889},"1b3b01c81372",[867],"Sales",{"_key":891,"_type":845,"text":892},"393258d59544",", tells you the other half.",1,"number",{"_key":896,"_type":841,"children":897,"level":893,"listItem":894,"style":847},"50d9e2f37566",[898,902],{"_key":899,"_type":845,"marks":900,"text":901},"0f26a6b3f4eb",[867],"The report is only as truthful as your categorisation.",{"_key":903,"_type":845,"text":904},"d88a3c451ddc"," It is built entirely from your categorised transactions. stub warns you at the top of the report when you have uncategorised transactions or missing opening balances — both will throw the figures out, and both are fixable in a few minutes.",{"_key":906,"_type":841,"children":907,"level":893,"listItem":894,"style":847},"32649d3f555f",[908,912],{"_key":909,"_type":845,"marks":910,"text":911},"f2ea9c8a20a6",[867],"A tag is what turns one company-wide number into a per-project one.",{"_key":913,"_type":845,"text":914},"a831435ef8dd"," If you run jobs, branches or campaigns and tag as you go, this report will show them side by side. Without tags, everything lands in a single column and you cannot tell the profitable work from the work that is quietly costing you.",{"_key":916,"_type":841,"children":917,"level":893,"listItem":894,"style":847},"377e49d19117",[918,922],{"_key":919,"_type":845,"marks":920,"text":921},"bb8d6dd66606",[867],"\"Cost of sales\" and \"expenses\" are not the same thing.",{"_key":923,"_type":845,"text":924},"300dbcdc4c8a"," Cost of sales is what the things you sold cost you; expenses are what it costs to exist — rent, salaries, software, advertising. Splitting them is what makes gross profit meaningful.",{"_key":926,"_type":841,"children":927,"style":860},"ae646c18ce9d",[928],{"_key":929,"_type":845,"text":930},"bb2093805555","Where to find it",{"_key":932,"_type":841,"children":933,"style":847},"ca95eb95b041",[934,937,941,944,947,950,954],{"_key":935,"_type":845,"text":936},"47a082d6556f","Head to ",{"_key":938,"_type":845,"marks":939,"text":940},"5dfe25c6747e",[867],"Insights",{"_key":942,"_type":845,"text":943},"ced89574235b",", click the report name at the top of the page and pick ",{"_key":945,"_type":845,"marks":946,"text":379},"3ed356f760c6",[867],{"_key":948,"_type":845,"text":949},"b2bc72c0fdd3"," from the picker — or choose it from ",{"_key":951,"_type":845,"marks":952,"text":953},"e6d2146dae6a",[867],"Reports",{"_key":955,"_type":845,"text":956},"25bce3821874"," in the sidebar. The date control at the top sets the period you're looking at.",{"_key":958,"_type":841,"children":959,"style":860},"85d39d621edb",[960],{"_key":961,"_type":845,"text":962},"9272aeb4bf5e","Compare periods",{"_key":964,"_type":841,"children":965,"style":847},"cbb5e6c98b45",[966,969,973],{"_key":967,"_type":845,"text":968},"13331ab21ee0","Use the ",{"_key":970,"_type":845,"marks":971,"text":972},"a7a0229a1bbe",[867],"Compare",{"_key":974,"_type":845,"text":975},"1ba205cafc9f"," selector:",{"_key":977,"_type":841,"children":978,"level":893,"listItem":986,"style":847},"97d6513dbd61",[979,983],{"_key":980,"_type":845,"marks":981,"text":982},"ae1cfca4165b",[867],"None",{"_key":984,"_type":845,"text":985},"676c0583d97b"," — one column for the whole period.","bullet",{"_key":988,"_type":841,"children":989,"level":893,"listItem":986,"style":847},"69a4c91fa8dc",[990,994],{"_key":991,"_type":845,"marks":992,"text":993},"2c12ee794b07",[867],"Monthly",{"_key":995,"_type":845,"text":996},"316208ba96b6"," — a column per month, so you can see the trend.",{"_key":998,"_type":841,"children":999,"level":893,"listItem":986,"style":847},"12000293b9ce",[1000,1004],{"_key":1001,"_type":845,"marks":1002,"text":1003},"d896587dd08c",[867],"Yearly",{"_key":1005,"_type":845,"text":1006},"b71e2a95d4a4"," — a column per financial year.",{"_key":1008,"_type":841,"children":1009,"level":893,"listItem":986,"style":847},"bafb9072f7c2",[1010,1014],{"_key":1011,"_type":845,"marks":1012,"text":1013},"bdb3e17bb4d4",[867],"By tag",{"_key":1015,"_type":845,"text":1016},"7c7b7b8d5d19"," — a column per tag, so your projects or branches sit side by side. This one only appears once you have tags set up.",{"_key":1018,"_type":841,"children":1019,"style":860},"420380a418c7",[1020],{"_key":1021,"_type":845,"text":1022},"34e3f39f6a57","Filter by tag",{"_key":1024,"_type":841,"children":1025,"style":847},"a31755b1ec78",[1026,1028,1032,1035,1038],{"_key":1027,"_type":845,"text":968},"c692124f7908",{"_key":1029,"_type":845,"marks":1030,"text":1031},"cae22e7863aa",[867],"Tag",{"_key":1033,"_type":845,"text":1034},"6196bd9b84b1"," filter in the header to show one project, branch or campaign on its own. (The filter is hidden in ",{"_key":1036,"_type":845,"marks":1037,"text":1013},"1ce1b8bce383",[867],{"_key":1039,"_type":845,"text":1040},"b4ef1cf4c698"," mode, because the columns are already split that way.)",{"_key":1042,"_type":841,"children":1043,"style":860},"813ae5d10364",[1044],{"_key":1045,"_type":845,"text":1046},"15767efb5ec1","Read the report",{"_key":1048,"_type":841,"children":1049,"style":847},"51076179cd79",[1050],{"_key":1051,"_type":845,"text":1052},"ccc850596d50","Top to bottom, it tells the story of your period:",{"_key":1054,"_type":841,"children":1055,"level":893,"listItem":894,"style":847},"ca6174c494ad",[1056,1060],{"_key":1057,"_type":845,"marks":1058,"text":1059},"6405c5157631",[867],"Income",{"_key":1061,"_type":845,"text":1062},"a57bb3165d54"," — everything you earned in the period, including invoices you have sent but not yet been paid for.",{"_key":1064,"_type":841,"children":1065,"level":893,"listItem":894,"style":847},"fdf513da33a5",[1066,1070],{"_key":1067,"_type":845,"marks":1068,"text":1069},"d14fc7b90f7d",[867],"Cost of sales",{"_key":1071,"_type":845,"text":1072},"94618adb8f7d"," — what the things you sold actually cost you.",{"_key":1074,"_type":841,"children":1075,"level":893,"listItem":894,"style":847},"d2eaf7e8947d",[1076,1080],{"_key":1077,"_type":845,"marks":1078,"text":1079},"13ef2270cc61",[867],"Gross profit",{"_key":1081,"_type":845,"text":1082},"77b81e6aff2e"," — income less cost of sales. What's left before your running costs.",{"_key":1084,"_type":841,"children":1085,"level":893,"listItem":894,"style":847},"5ea4d07fff1c",[1086,1090],{"_key":1087,"_type":845,"marks":1088,"text":1089},"b658a47bfce4",[867],"Expenses",{"_key":1091,"_type":845,"text":1092},"2a2e5832c406"," — the costs of keeping the business going: rent, salaries, software, advertising.",{"_key":1094,"_type":841,"children":1095,"level":893,"listItem":894,"style":847},"fc0c66f5316e",[1096,1100],{"_key":1097,"_type":845,"marks":1098,"text":1099},"fedd8ea3b2a6",[867],"Net profit",{"_key":1101,"_type":845,"text":1102},"fb4722c4443a"," — what's left at the end. Your bottom line.",{"_key":1104,"_type":841,"children":1105,"style":860},"38983792dc76",[1106],{"_key":1107,"_type":845,"text":1108},"e2afc29e839a","Download it",{"_key":1110,"_type":841,"children":1111,"markDefs":1162,"style":847},"7827c8252ab9",[1112,1115,1119,1122,1126,1129,1133,1136,1140,1143,1148,1151,1154,1156,1159],{"_key":1113,"_type":845,"text":1114},"2458868ad72f","Click ",{"_key":1116,"_type":845,"marks":1117,"text":1118},"13f88e18b207",[867],"···",{"_key":1120,"_type":845,"text":1121},"5a3acbc447cb"," → ",{"_key":1123,"_type":845,"marks":1124,"text":1125},"e5cc5fbec37d",[867],"Download",{"_key":1127,"_type":845,"text":1128},"dfed677c0c9f",", pick ",{"_key":1130,"_type":845,"marks":1131,"text":1132},"69badb252eb3",[867],"PDF",{"_key":1134,"_type":845,"text":1135},"cfe95ffec07d"," or ",{"_key":1137,"_type":845,"marks":1138,"text":1139},"437389c614d6",[867],"CSV",{"_key":1141,"_type":845,"text":1142},"ffe18b7e5c39",", set the dates and download — the details are in ",{"_key":1144,"_type":845,"marks":1145,"text":1147},"eb39aee17615",[1146],"de608cb5d173","Export & share a report",{"_key":1149,"_type":845,"text":1150},"f58a5ca98ec1",". For a full pack to hand to a bank or an accountant, click ",{"_key":1152,"_type":845,"marks":1153,"text":1118},"7ae58208f8b9",[867],{"_key":1155,"_type":845,"text":1121},"54fc84496586",{"_key":1157,"_type":845,"marks":1158,"text":403},"50bfa334ee1b",[867],{"_key":1160,"_type":845,"text":1161},"5923b4d6455c"," instead.",[1163],{"_key":1146,"_type":1164,"href":1165},"link","https:\u002F\u002Fstub.africa\u002Fguide\u002Fhow-to-export-and-share-reports",{"_key":1167,"_type":841,"children":1168,"style":860},"1ba7a822421d",[1169],{"_key":1170,"_type":845,"text":1171},"9f5e25694693","If the numbers look wrong",{"_key":1173,"_type":841,"children":1174,"level":893,"listItem":894,"style":847},"77c5309099f4",[1175,1179],{"_key":1176,"_type":845,"marks":1177,"text":1178},"5e231cfb8ffe",[867],"Check the warnings at the top of the report",{"_key":1180,"_type":845,"text":1181},"1d253f1bc67a"," — uncategorised transactions and missing opening balances are the two usual culprits.",{"_key":1183,"_type":841,"children":1184,"level":893,"listItem":894,"style":847},"2f80b237f785",[1185,1189,1192,1195,1198,1201],{"_key":1186,"_type":845,"marks":1187,"text":1188},"3ecc1168df3c",[867],"Profit high but bank account empty?",{"_key":1190,"_type":845,"text":1191},"7e66ff736065"," See the note above: profit counts invoices when you send them, not when you get paid. Check ",{"_key":1193,"_type":845,"marks":1194,"text":387},"a317be1f0581",[867],{"_key":1196,"_type":845,"text":1197},"39105a664234",", and check what's still outstanding under ",{"_key":1199,"_type":845,"marks":1200,"text":889},"e437006404d1",[867],{"_key":1202,"_type":845,"text":1203},"28e57eda969a",".",{"_key":1205,"_type":841,"children":1206,"level":893,"listItem":894,"markDefs":1217,"style":847},"22996c578e52",[1207,1210,1215],{"_key":1208,"_type":845,"text":1209},"aaed71d57704","Work the full checklist in ",{"_key":1211,"_type":845,"marks":1212,"text":1214},"5311e9b157d4",[1213],"a3f49f1aa61c","When report numbers look wrong",{"_key":1216,"_type":845,"text":1203},"c2471123afe3",[1218],{"_key":1213,"_type":1164,"href":1219},"https:\u002F\u002Fstub.africa\u002Fguide\u002Ftroubleshooting-unexpected-report-numbers",{"_key":1221,"_type":841,"children":1222,"style":1230},"d874e25a0c3b",[1223,1227],{"_key":1224,"_type":845,"marks":1225,"text":1226},"b6bac59cdb59",[867],"Tip:",{"_key":1228,"_type":845,"text":1229},"f975946869f8"," Look at this monthly, not annually. A trend you spot in March is a problem you can still fix.","blockquote",null,{"_id":367,"slug":369,"title":370},"\u003Cp>Almost every real decision in a small business — can I take on someone, is that client worth keeping, can I afford the bigger premises — comes down to one question: did we make money, and where did it go? The Profit & Loss report is that answer, written out. It takes everything you have recorded and lays it out for any period you choose: what you earned, what those sales cost you, what you spent keeping the doors open, and what was left at the end.\u003C\u002Fp>\u003Cp>Its real value is in the comparison, not the single number. Run it month by month and a slide you spot in March is still a March problem you can fix. Run it once a year, at year end, and you are reading a post-mortem.\u003C\u002Fp>\u003Ch2 id=\"what-to-know-before-you-trust-the-number\">What to know before you trust the number\u003C\u002Fh2>\u003Col>\u003Cli>\u003Cstrong>stub counts an invoice on the day you send it, not the day you get paid.\u003C\u002Fstrong> This is the most common question support gets about this report: profit looks healthy, the bank account is empty. Both are true. Profit & Loss tells you what you \u003Cem>earned\u003C\u002Fem>; the money is sitting in invoices your customers have not paid yet. \u003Cstrong>Cash Flow\u003C\u002Fstrong>, plus what is still outstanding under \u003Cstrong>Sales\u003C\u002Fstrong>, tells you the other half.\u003C\u002Fli>\u003Cli>\u003Cstrong>The report is only as truthful as your categorisation.\u003C\u002Fstrong> It is built entirely from your categorised transactions. stub warns you at the top of the report when you have uncategorised transactions or missing opening balances — both will throw the figures out, and both are fixable in a few minutes.\u003C\u002Fli>\u003Cli>\u003Cstrong>A tag is what turns one company-wide number into a per-project one.\u003C\u002Fstrong> If you run jobs, branches or campaigns and tag as you go, this report will show them side by side. Without tags, everything lands in a single column and you cannot tell the profitable work from the work that is quietly costing you.\u003C\u002Fli>\u003Cli>\u003Cstrong>"Cost of sales" and "expenses" are not the same thing.\u003C\u002Fstrong> Cost of sales is what the things you sold cost you; expenses are what it costs to exist — rent, salaries, software, advertising. Splitting them is what makes gross profit meaningful.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2 id=\"where-to-find-it\">Where to find it\u003C\u002Fh2>\u003Cp>Head to \u003Cstrong>Insights\u003C\u002Fstrong>, click the report name at the top of the page and pick \u003Cstrong>Profit & Loss\u003C\u002Fstrong> from the picker — or choose it from \u003Cstrong>Reports\u003C\u002Fstrong> in the sidebar. The date control at the top sets the period you're looking at.\u003C\u002Fp>\u003Ch2 id=\"compare-periods\">Compare periods\u003C\u002Fh2>\u003Cp>Use the \u003Cstrong>Compare\u003C\u002Fstrong> selector:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>None\u003C\u002Fstrong> — one column for the whole period.\u003C\u002Fli>\u003Cli>\u003Cstrong>Monthly\u003C\u002Fstrong> — a column per month, so you can see the trend.\u003C\u002Fli>\u003Cli>\u003Cstrong>Yearly\u003C\u002Fstrong> — a column per financial year.\u003C\u002Fli>\u003Cli>\u003Cstrong>By tag\u003C\u002Fstrong> — a column per tag, so your projects or branches sit side by side. This one only appears once you have tags set up.\u003C\u002Fli>\u003C\u002Ful>\u003Ch2 id=\"filter-by-tag\">Filter by tag\u003C\u002Fh2>\u003Cp>Use the \u003Cstrong>Tag\u003C\u002Fstrong> filter in the header to show one project, branch or campaign on its own. (The filter is hidden in \u003Cstrong>By tag\u003C\u002Fstrong> mode, because the columns are already split that way.)\u003C\u002Fp>\u003Ch2 id=\"read-the-report\">Read the report\u003C\u002Fh2>\u003Cp>Top to bottom, it tells the story of your period:\u003C\u002Fp>\u003Col>\u003Cli>\u003Cstrong>Income\u003C\u002Fstrong> — everything you earned in the period, including invoices you have sent but not yet been paid for.\u003C\u002Fli>\u003Cli>\u003Cstrong>Cost of sales\u003C\u002Fstrong> — what the things you sold actually cost you.\u003C\u002Fli>\u003Cli>\u003Cstrong>Gross profit\u003C\u002Fstrong> — income less cost of sales. What's left before your running costs.\u003C\u002Fli>\u003Cli>\u003Cstrong>Expenses\u003C\u002Fstrong> — the costs of keeping the business going: rent, salaries, software, advertising.\u003C\u002Fli>\u003Cli>\u003Cstrong>Net profit\u003C\u002Fstrong> — what's left at the end. Your bottom line.\u003C\u002Fli>\u003C\u002Fol>\u003Ch2 id=\"download-it\">Download it\u003C\u002Fh2>\u003Cp>Click \u003Cstrong>···\u003C\u002Fstrong> → \u003Cstrong>Download\u003C\u002Fstrong>, pick \u003Cstrong>PDF\u003C\u002Fstrong> or \u003Cstrong>CSV\u003C\u002Fstrong>, set the dates and download — the details are in \u003Ca href=\"https:\u002F\u002Fstub.africa\u002Fguide\u002Fhow-to-export-and-share-reports\">Export & share a report\u003C\u002Fa>. For a full pack to hand to a bank or an accountant, click \u003Cstrong>···\u003C\u002Fstrong> → \u003Cstrong>Financial statements\u003C\u002Fstrong> instead.\u003C\u002Fp>\u003Ch2 id=\"if-the-numbers-look-wrong\">If the numbers look wrong\u003C\u002Fh2>\u003Col>\u003Cli>\u003Cstrong>Check the warnings at the top of the report\u003C\u002Fstrong> — uncategorised transactions and missing opening balances are the two usual culprits.\u003C\u002Fli>\u003Cli>\u003Cstrong>Profit high but bank account empty?\u003C\u002Fstrong> See the note above: profit counts invoices when you send them, not when you get paid. Check \u003Cstrong>Cash Flow\u003C\u002Fstrong>, and check what's still outstanding under \u003Cstrong>Sales\u003C\u002Fstrong>.\u003C\u002Fli>\u003Cli>Work the full checklist in \u003Ca href=\"https:\u002F\u002Fstub.africa\u002Fguide\u002Ftroubleshooting-unexpected-report-numbers\">When report numbers look wrong\u003C\u002Fa>.\u003C\u002Fli>\u003C\u002Fol>\u003Cblockquote>\u003Cstrong>Tip:\u003C\u002Fstrong> Look at this monthly, not annually. A trend you spot in March is a problem you can still fix.\u003C\u002Fblockquote>",[1235,1237,1239,1241,1243,1245,1247],{"id":1236,"text":859,"style":860},"what-to-know-before-you-trust-the-number",{"id":1238,"text":930,"style":860},"where-to-find-it",{"id":1240,"text":962,"style":860},"compare-periods",{"id":1242,"text":1022,"style":860},"filter-by-tag",{"id":1244,"text":1046,"style":860},"read-the-report",{"id":1246,"text":1108,"style":860},"download-it",{"id":1248,"text":1171,"style":860},"if-the-numbers-look-wrong"]