v5.0 · online
Chiaro is the management software for businesses with more than one owner. It records jobs, payments and expenses, and tells each owner what they're owed and what they've already taken.
There's a spreadsheet called “Calendar 2026”. Only one of you ever opens it. Inside are the jobs, the payments, the expenses, and a column saying whether that month has already been split.
Then comes the real question: how much can I draw this month?
And that's where the trouble starts.
This isn't an accounting problem. Your accountant does the books, but after the fact and for the company. What you're owed, today, nobody tells you.
Same trade, two different questions. That's why Chiaro exists.
Standard accounting software
The Month isn't the calendar month: it's the stretch from the last time you split the money until today. A forgotten payment doesn't vanish, it slides into the next round. An expense entered late still lands inside a real period.
At the top you read money in, money out and what's left. Below, what each owner is owed according to their shares. When you press “Split done” those figures move into the balances to be drawn, and the period closes.
The Withdrawals screen has a single number at the top: what's left to draw. Below, the bar shows how much has gone out against how much has accrued.
Every withdrawal knows which balance it's drawing down. Open a line and you see who took what, and when. A withdrawal entered by mistake can be removed, and it stays on record who removed it.
The Change log answers a question that always comes up between partners sooner or later. Every change is a line: who, when, and from which value to which. €1,800.00 → €2,000.00
Nothing really disappears: deletions stay there too, with the name of whoever made them.
If you recognised your own business in these three screens, the rest is detail.
Half an hour, on the numbers of a sample business. We don't need yours.
Recording a job stops being paperwork and becomes a line.
Client, job, quoted, received, direct cost, tax set-aside, who took the money, payment status. All on one line, all editable by clicking the cell: no form to open just to change a figure.
Stop forgetting the rent and the accountant, and see the difference between what has gone out and what will.
Expenses month by month. In black what has already gone out, in gold what is scheduled and still to come: that's a forecast, and it's never added to the actuals.
Recurring revenue is the money you lose by not paying attention. Here you see at a glance who hasn't paid yet.
Support contracts with their schedule: who pays, who's behind, what's expiring. At the top, the total monthly fee, how much is still to come in this year, and how many contracts are up for renewal.
Open a contract and you see the twelve months one by one: paid, invoiced, on what date. When you tick a month, the software first looks for whether that payment is already recorded under Jobs and payments and links it. Only if it can't find it does it create a new one. That's why the totals never inflate.
Settling up between owners stops being an argument and becomes a number.
The costs of the premises kept separate from the company's, with a single sentence at the top: “You're even”, or how much one owes the other.
Below, money paid and taken on behalf of the company: out of your own pocket, or collected personally. The Month counts it towards what each owner can draw.
The questions you ask yourself at year end have an answer without building a new spreadsheet.
Two tabs. This year: month by month against previous years, current pace, best month, what people bought most, who brought in the most money. Historical comparison: year by year, seasonality, your long-standing clients.
The year-end estimate is dashed and in gold, and is never added to the actuals. Any two years are always compared over the same stretch: January through the last closed month. The current month doesn't enter the averages.
One place, instead of three spreadsheets and a contact list.
The client list, with how much each has paid. Editable inline, like everything else.
Agreements change over time without rewriting the past.
Users and permissions (administrator, operator, viewer). The split shares are kept as history: if you change the agreement, the old share closes and a new one starts. Periods already split are never rewritten.
Click a number and you see the lines behind it. Every figure is born from the entries the moment you look at it: there's no such thing as a total left behind after a correction.
You upload one year's Excel calendar. Before writing anything, the software reads the file, reconciles it against the totals written in the sheet and shows you the differences. If a single number doesn't add up, it writes nothing. The same file uploaded twice is recognised and refused. Names that look alike, it asks you about: “is this the same client?” — it doesn't merge them on its own.
You're at a café, or sharing your screen in a meeting. Press the eye and every amount turns into •••• €. It isn't a blur — from a blur you can count the digits. The charts disappear entirely, because even a mute bar tells the story.
figures visible
eye pressed
One button downloads your whole position as a text file, with the right questions already written in. Paste it into ChatGPT or Claude and have it do the analysis. The file also carries the instructions for not getting the sums wrong — for instance, not adding estimates to actuals.
It isn't the site shrunk down: below a certain width the tables become one figure per row, the fields are big enough that you don't have to zoom, the menu closes itself. A quick check happens standing up, not at your desk.
These are the things you notice by using it. The shortest way is to see it.
Shares, who takes the money, what belongs to the office and what to the company. Half an hour, not a questionnaire.
This year's calendar and, if you have them, those of previous years. Every line is reconciled before being written: if the totals don't add up, nothing goes in.
From that day the counting starts; everything before it stays as history already settled.
Year-on-year comparisons, seasonality and client rankings appear on their own, as the data builds up.
We work to a custom quote, because every business splits things differently. We start with a free consultation where we look at how you keep your books today, then you get an offer with the cost fixed up front. You can start from the essentials — jobs, payments, the month — and grow the rest over time.
Yes. Shares are set owner by owner and have to add up to 100: if they don't, the software tells you, instead of quietly giving the difference away. On your own it still works, but half the value of Chiaro is telling each person what they're owed: alone, you need it less.
No, and it doesn't try to. Chiaro records whether an invoice was issued and when, but it doesn't issue it. It's financial control: what came in, what went out, what's left and to whom. Your accountant carries on doing their job, with tidier numbers.
Yes. We read one year's Excel calendar and check it against the totals written in the file: if a number doesn't match, we write nothing. We map your file's layout during setup: that's part of the job, not your homework.
You do. Nothing ties you to us to keep using it. We hand over the work and, if you want, we stay alongside you to grow it.
On a database dedicated to your company, with an encrypted connection, roles and permissions, and an encrypted backup every night. The software contains no proper names: your installation is yours.
Tell us how you keep your books right now. We'll show you Chiaro on the numbers of a business like yours, and in half an hour we'll tell you whether it makes sense for you.
We start from a phone call, not from an off-the-shelf template.