The finance copilot for your business
Monthly provisions
Aguinaldo, vacations, severance, income tax, marchamo, municipal license, INS policy: expenses that arrive once a year and drain the cash if they were not set aside earlier. Banker provisions them month by month.
Envelopes with a date
Each provision is an envelope with a target amount and a payment date. Banker computes how much to set aside each month (or fortnight) to arrive on time and shows the percentage covered, with a healthy, alert or critical status.
Detected contributions
When you transfer money to the provisions account or envelope, Banker detects the contribution in your transactions and assigns it. At month end you see which provisions are on track and which are not.
Costa Rica's provisions
The ones every Costa Rican business faces come ready: aguinaldo (December), vacations, severance, income tax, marchamo, municipal license, INS policy, insurance, licenses, major maintenance, audit, legal reserve and emergency fund. And you can create your own.
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Frequently asked questions
How much should I set aside each month for the aguinaldo?
One twelfth of each month's payroll. Banker computes it per employee and shows it as an envelope dated December.
Which provisions must a business in Costa Rica make?
At least aguinaldo, vacations, severance, income tax, marchamo if there are vehicles, municipal license and the policies. Banker brings them ready with their dates.
Where do I keep the provision money?
Wherever you prefer: a separate account or the same one. Banker keeps track of how much belongs to each envelope and detects the contributions.
Does it work for personal finance?
Yes. The personal workspace has provisions for annual expenses like marchamo, insurance or tuition, with the same logic.