My wife and I use one app for personal and she now uses it for her business. I'm incubating a business and using that personal budgeting app is plenty for now, from the family perspective, it's basically a hobby.

But we're going to build some app store apps that need excellent UI/UX before user #1 sees them. So we're going to do a raise and I'm guessing a personal budeting app isn't going to give the me insights I need into the transactions of a payment platform, integrate with a payroll platform, HR, benefits, etc, the information I will need to give me retrospective insights so I can steer the ship as we go. I anticipate having some enterprise customers and some individual subscribers, with mostly R&D spend for the first several quarters. But I want to plan on the assumption it will get complicated.

Obviously, if I have net positive cash flow, and 200% annual growth, then budgets are a lot easier. But I want to assume that's not the case.

What do y'all use?