I’m looking for software setups that make stewardship tangible — automating prompt vendor payment, fair‑pay budgeting, and setting aside first fruits from profit. Right now we’re on QuickBooks Online with a Profit First–style allocation twice a month, but it’s clunky; has anyone dialed this in with Xero, Divvy/Brex, or specific rules that keep generosity and integrity front and center?
“with Xero, Divvy/Brex?” — In Xero I use a bank rule on Stripe deposits to compute 10% of net and post it to a “First Fruits” tracking category, then the bank runs a matching scheduled transfer every Friday so reconciliation is one click. Caveat: Xero rules don’t move cash, so the scheduled transfer (or a Zapier flow) is the linchpin.
We solved the clunky twice-a-month Profit First steps in QBO by letting Relay (https://relayfi.com) auto-route a fixed percent of every incoming deposit into a separate account labeled “First Fruits,” then paying vendors from the primary account via QBO Bill Pay… It’s been hands-off and keeps generosity ahead of spend, but note it’s based on gross deposits, so we do a small month-end true-up for fees and refunds.
Quick example: in Xero I pair ApprovalMax for two-step bill approvals with Melio set to pay 3 days before due, and a Zapier hook watches Stripe payouts then moves a fixed “give” percent to a Wise Jar before anything else. It’s been reliable, though the math has to happen in Zapier since Xero rules can’t do percentages.