Tracking Business-to-Personal Reimbursements

Background

When you run a business, it's common to pay for business expenses out of your own pocket — a client lunch on your personal credit card, office supplies on your personal debit card, a software subscription charged to your personal account. Your business owes you that money back.

MySpend lets you track the full lifecycle:

1. What the business owes you — computed automatically from transactions and expenses you've classified as Biz Expense on personal accounts.

2. What's been paid back — recorded when you classify the business bank payment to yourself as Owner Reimb.

3. What's still outstanding — the difference, shown at a glance on the Dashboard Reimbursements card.

Step 1 — Import your accounts

Before anything can be tracked, your transactions need to be in MySpend.

1. On the Dashboard, tap Import.

2. Import your personal bank and credit-card statements — the accounts you use when paying business expenses out of pocket.

3. Import your business bank or checking statement — the account your business uses to pay you back.

MySpend supports CSV and XLSX files exported from most major banks and credit-card providers.

Step 2 — Mark your business accounts

MySpend needs to know which accounts belong to the business so it can compute your reimbursable balance correctly.

1. From the Dashboard, find your business bank account in the Account Balances section.

2. Tap the account name to open its settings.

3. Set Account Type to Business.

Step 3 — Classify business expenses on personal accounts

Every time you paid for something business-related using a personal card or account, find that transaction in MySpend and classify it:

1. Open the transaction account that holds the charge (e.g., "Visa Personal").

2. Find the transaction (e.g., "Adobe Creative Cloud — $54.99").

3. Tap the classification badge and choose Biz Expense.

The transaction now counts toward your gross reimbursable total.

Three ways to capture an expense

You don't have to rely solely on imported bank transactions. Any of the following also feeds into your reimbursable total — as long as the expense is classified as Biz Expense:

• Scan a receipt — tap the Camera button and let the AI extract the details.
• Forward by email — forward any receipt email (or send a new email with a receipt attached) to receipts@myspend.info from the address registered to your account. The AI reads the email body or attachment — Amazon orders, airline confirmations, hotel folios, SaaS billing notifications — and adds the expense automatically. No app needed.
• Enter manually — tap + Add Expense and fill in the fields yourself.

Step 4 — Record when the business pays you back

When your business sends money to your personal account — a bank wire, a check, a Zelle transfer — that payment appears as an outgoing transaction in your business bank import.

1. Open your business bank account's transaction list.

2. Find the outgoing payment to yourself (e.g., "Transfer to personal — $800.00").

3. Tap the classification badge and choose Owner Reimb.

As soon as you do, a prompt appears on the Dashboard Reimbursements card:

Step 5 — Match the payment to your expenses

1. Tap the Reimbursements card on the Dashboard.

2. The Reimbursement Tracker opens.

3. MySpend automatically pre-selects your oldest outstanding expenses, accumulating oldest-first until the selection total reaches the payment amount.

4. Review and adjust: check or uncheck individual items; use Select all / Deselect all for bulk changes; use the search bar or sort dropdown to find specific items.

5. Tap the Mark N items as Reimbursed · $X.XX button.

MySpend immediately:

• Marks each selected expense as reimbursed.
• Marks the Owner Reimb. transaction itself as matched, clearing the Dashboard prompt.
• Updates the Outstanding balance in real time.

Reading the Dashboard card

The Reimbursements card on your Dashboard shows three numbers at a glance:

When all expenses have been settled, the card shows All settled with a green checkmark. The card is hidden entirely when you have no business expenses and no unmatched payments.

Manually marking items

You don't have to wait for the automatic prompt. Open the Reimbursement Tracker at any time by tapping the Dashboard card, then select and mark items yourself — useful when:

• You were paid in cash or through a platform outside your imported accounts.
• You want to record a partial settlement.
• You're doing a one-off clean-up of older items.

Undoing a mark

If you marked something by mistake:

1. Open the Reimbursement Tracker from the Dashboard card.

2. Scroll to the Already reimbursed section and tap it to expand.

3. Tap Unmark next to the item — it moves back to the outstanding list.

Using the Bookkeeper AI

If you have a Standard or Pro plan, the MySpend AI Bookkeeper can handle these tasks conversationally:

The AI uses the same owner_reimbursement classification and mark_reimbursed tool under the hood — everything stays in sync with what you see in the app.