Feature
How much can I safely take out of my business?
Cledo answers that in real time. The Wallet screen shows your live bank balance minus reserves for Corporation Tax, VAT, PAYE, upcoming bills and a runway buffer — giving you a single Safe to Transfer figure so you never overspend.
Live bank balance
Your current balance is pulled from your Open Banking feed every 4 hours. No manual entry.
Tax reserves
Corporation Tax (19–25%) and VAT (20%) are reserved dynamically from your unreconciled income. As your ledger gets more accurate, so do the reserves.
Bill runway
Recurring costs — subscriptions, software, insurance — are estimated from your recent transactions and reserved as a buffer.
One number
Bank balance minus all reserves = Safe to Transfer. It updates in real time as transactions come in and reconciliation progresses.