Every feature built around one job: putting idle cash to work
Primeaura watches your incoming and outgoing cash, identifies surplus the moment it appears, and routes it toward better use — automatically, transparently, and on your terms.
Optimise Your Surplus Read the FAQCapital intelligence, not another spreadsheet
Freelancers and independent consultants carry lumpy income and irregular tax obligations. Primeaura was designed around that reality — five core capabilities that work together instead of five disconnected tools.
Live surplus detection
Primeaura continuously reads your cash position against upcoming obligations — tax reserves, subscriptions, planned invoices — and flags exactly how much is genuinely spare, not just what's sitting in the account. No more guessing whether a balance is "safe" to move.
Automated allocation rules
Set thresholds once and let them run: surplus above a chosen buffer is swept toward a savings vehicle, held liquid, or flagged for review, depending on rules you define.
Tax-aware forecasting
Every allocation decision accounts for estimated tax set-asides first, so growth never comes at the cost of a shortfall when payments are due.
Plain-language reporting
Monthly summaries explain what moved, why, and what it's projected to do — written for a consultant, not an accountant.
Full manual override
Every automated action can be paused, adjusted, or reversed from a single screen. Primeaura proposes and executes within your rules — it never locks you out of your own cash.
From account to allocation in three steps
Connect your accounts
Link the business accounts you invoice into and pay expenses from. Primeaura builds a rolling picture of cash in, cash out, and known commitments.
Set your buffers and rules
Define the minimum liquidity you want on hand, your tax set-aside percentage, and how aggressively surplus should be allocated.
Let surplus work automatically
As income lands and obligations clear, Primeaura identifies genuine surplus and allocates it according to your rules — with a clear log of every action taken.
Built for the shape of independent work
Smoothing irregular income
A large invoice clearing doesn't mean it's all spendable. Primeaura separates true surplus from cash that's earmarked for tax or a lean month ahead, so a good quarter doesn't quietly become a bad one.
Reducing year-end scramble
Because tax-aware forecasting runs on every allocation, the set-aside grows in the background all year — instead of being reconstructed under pressure the week before a payment is due.
Putting retained profit to use
Consultants scaling a practice often keep excess cash idle simply because reviewing it manually is tedious. Primeaura keeps that review running continuously, so surplus doesn't sit unused by default.
You can see exactly why every decision was made
Automation only earns trust when it's legible. Every allocation Primeaura makes is logged with the balance it was based on, the rule that triggered it, and the outcome — reviewable at any time, exportable for your own records.
Nothing moves outside the rules you've set, and every rule can be edited or switched off instantly. Primeaura is built to support your judgement, not replace it.
See what your surplus could be doing
Connect your accounts and let Primeaura show you, in plain terms, where idle cash is sitting today.