Features
Everything RESERVD does, explained plainly.
RESERVD sits beside your accounting software — Xero today, with more platforms and manual workflows coming. It reads what has happened and turns it into a clear picture of what your money needs to do next.
Cash truth
Your cash, split into what it has to do.
Your Overview starts with today’s cash and shows exactly where it goes.
- Cash — your bank balance from your accounting software (Xero today), plus any other business cash you add.
- Protected now — GST and income tax not yet in your tax reserve, job costs still to pay, known commitments and any ATO plan amount due.
- Business Operating Cash — a buffer for running costs like fuel, tools, insurance and software.
- Potential surplus — what’s left after protection, the operating buffer, planned tax and reserves.
- Safe to Save — the part of the surplus that’s genuinely available once known overdue liabilities are checked.
Money In
Every payment, explained.
A searchable history of the payments Xero records, with the reasoning behind each one.
Payment history
Who paid, how much and when — grouped by week and searchable by client, invoice or amount.
Allocations
Open a payment to see how it was split between protected costs, operating cash, set-asides and Safe to Save. Once a payment is confirmed, its split is recorded and never silently changed.
History vs new money
Payments already in Xero when you connect are clearly marked “Before RESERVD” and never counted as new money. Payments Xero later deletes stay visible for audit.
Expected payments
Add a payment you’re expecting and preview what RESERVD would do with it. It never affects your figures until Xero records the real payment.
Jobs
Job costs stay protected until they’re paid.
For job and project businesses — optional, never required. When a job is paid, the costs it still has to cover stay protected, so they’re never mistaken for spare cash.
Protect known costs
Materials, labour and subcontractor costs are held back from each job’s payments.
Estimated vs confirmed
Every job cost shows whether it’s an estimate or confirmed, so you know how firm the number is.
Job visibility
See which jobs still have costs to cover, which are awaiting close, and release protection when a job is done.
Quotes
From enquiry to accepted quote.
Quote builder
Add items with quantities and prices; RESERVD works out every line and the total. Drafts are saved in RESERVD — nothing is sent to your customer from here.
Xero quote creation
Create the draft quote directly in your connected Xero organisation, ready to review and send from Xero.
Status tracking
Quotes linked to Xero follow Xero’s status — Draft, Sent, Accepted, Invoiced — so your list stays current.
Quote Assistant · Early access
Paste an enquiry, upload a plan or photo, or import an email, and get a proposed quote to review. Currently available for selected trades.
Tax & obligations
See what’s owed before it’s due.
Tax figures in RESERVD are planning estimates, clearly labelled until your accountant confirms them.
Tax planning
GST and income tax on this year’s profit are protected, using a planning rate you can confirm with your accountant.
ATO debt visibility
Record an existing ATO balance and how you’re repaying it. RESERVD keeps Safe to Save conservative until a repayment approach is in place.
Commitments
Add known upcoming costs, like a registration or an insurance renewal, and RESERVD holds cash back for them.
Business reserves
Track your tax reserve and a strategic cash reserve, with targets you set.
Xero integration
A careful, secure connection to Xero.
Secure OAuth
You authorise RESERVD through Xero’s own sign-in and choose the organisation. Access tokens are encrypted and stored server-side.
Automatic sync
RESERVD syncs with Xero automatically through the day, and you can sync on demand.
Historical baseline
On your first sync, payments already in Xero are recorded as history, so only genuinely new payments are treated as new money.
Workspace isolation
Each business connects exactly one Xero organisation, and an organisation already linked to another business can’t be connected again.
On the roadmap
What we’re building next.
These are planned — not available yet. We’ll only describe them as features once they’re live.
More ways to connect
MYOB, QuickBooks Online and Reckon, CSV import, and a manual mode for businesses without accounting software.
Money Autopilot
Every payment worked through automatically the moment it lands, using the same verified rules RESERVD uses today.
Future Cash
30, 60 and 90-day cash projections from expected payments, commitments and tax — with early warning of a tight week.
Smart alerts
A heads-up when protected cash runs short, Safe to Save opens up, a payment runs late or a job costs more than expected.
Profit and job intelligence
Quoted versus actual, margin by job and job type — feeding better quotes next time. Your data is never shared with other businesses.
Ask RESERVD
A business finance assistant that explains your real numbers — always from RESERVD’s verified calculations, never guesswork. Not financial advice.
See your own numbers.
Connect your business finances and RESERVD shows what your money needs to do.