How to Separate Business and Personal Finances
By Karl Kniseley·3 min read·Updated June 2026
When business and personal spending run through one account, every tax season becomes detective work, and you miss deductions in the noise. Separating them is the single highest-return admin habit a self-employed person can build.
The clean split
Open a separate account for the business, run all income and costs through it, and pay yourself out of it on a schedule. Now your business activity is one tidy stream, your deductions are obvious, and you can actually see what you are earning.
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