Personal vs Business: which Billify plan fits?

This is for your home: rent, utilities, insurance, subscriptions, and the leftover you can actually spend once they’re covered. One ledger, one leftover figure, one place to see the whole household picture — which is all most people ever need.

It also covers savings pots and an arrears plan for any debt you’re actively working down, so “personal” doesn’t mean stripped-down — it means everything a household needs, without anything a household doesn’t.

Pro Business keeps everything Personal has, then adds up to five separate business ledgers. Each company gets its own bills, income, leftover, and savings pots — entirely apart from the household one, and apart from each other if you run more than one.

Invoices live on the company they belong to — never mixed with your personal rent, so you can always answer “is the business actually profitable?” without untangling anything first. Switching between your personal ledger and a business one is a single tap in the nav, not a different login or a different app.

Say you freelance on the side while working a day job. Your salary and household bills sit on Personal — rent, utilities, the usual. Your freelance income, a software subscription, and the invoices your clients owe you sit on a Business ledger.

Without that split, a good invoicing month makes your overall balance look healthy even if the business itself barely broke even once its own subscription cost is counted — and a slow month can look like a personal budgeting problem when it’s actually just business income being late. Two ledgers means two honest numbers instead of one blended guess.

If it’s purely household spending, Personal is the whole answer, and the 7-day trial is long enough to see if the shape fits. The moment you start invoicing anyone — even occasionally, even for a small amount — Business earns its keep, largely because it means you’re not reconstructing a year of mixed transactions from memory when tax time arrives.

There’s no penalty for starting on Personal and upgrading later: nothing about your existing ledger changes, you simply gain the extra business ledgers on top of what you already have.