Owner Equity — Deposits and Withdrawals

2 min readPublished July 2, 2026

What Owner Equity Tracks

Owner Equity is for money that flows between the business owner personally and the shop, outside normal trading activity — capital the owner puts in to fund the business, or money the owner draws out for personal use. Fixmo shows a running Owner Equity total: total deposits minus total withdrawals.

Recording a Deposit or Withdrawal

Add an entry from the Owner Equity tab.

  1. 1Go to Finance → Advanced → Owner Equity.
  2. 2Click 'Add Entry'.
  3. 3Choose the type: 'Owner put money in' (deposit) or 'Owner took money out' (withdrawal).
  4. 4Enter the amount and date.
  5. 5Optionally select which payment account this affects.
  6. 6Optionally add a description.
  7. 7Click Save.

Owner-Funded Assets

When adding a Capital Asset, toggling 'Owner paid for this personally' automatically creates a matching owner deposit for the purchase price — you don't need to record it separately. See Capital Assets for details.

Frequently Asked Questions

What is Owner Equity?+
Owner Equity tracks money flow between the owner personally and the business, outside of normal sales and expenses — for example, the owner injecting startup capital, or drawing money out for personal use.
Who can record owner deposits or withdrawals?+
Only Admins.
Does an owner deposit or withdrawal count as revenue or an expense?+
No. Owner transactions are excluded from revenue, expenses, and net income on the Finance dashboard — they only affect the linked payment account's balance (if one is chosen) and the Owner Equity total.
Do I have to link an owner transaction to a payment account?+
No, it's optional. If you link one, that account's balance changes accordingly and the entry appears in that account's drill-down history. If you leave it unlinked, it's recorded purely for your equity records.

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