Business and personal, sorted on the same card
Every purchase gets a category and a business or personal status. Mark a phone bill as 60% business and only that share counts. Sedir remembers the rule next time.
For Ontario delivery drivers, makers & small shops
Expense tracking for delivery drivers and small shops without a business account.
Gas, supplier orders and shipping labels on the same card as your groceries? Sedir separates business from personal, keeps your budget honest, and has your HST and T2125 numbers ready at tax time.
- Region
- Ontario · HST 13%
- Inputs
- Bank sync · PDF · CSV · Receipts
- Platform
- iOS · Android · MCP
01 — The problemOne card, two lives
Your business and your groceries share a credit card. Your budget can't tell them apart.
Most budget apps assume a salary. Most bookkeeping tools assume a business bank account. Self-employed people often have neither neatly separated: three credit cards, a line of credit, buy-now-pay-later, and a client payment landing in a personal chequing account.
So the personal budget looks wrong, business deductions get missed, and April arrives with a tax bill nobody planned for. Sedir is built for exactly this mess.
02 — What Sedir doesFour instruments
The important numbers on one screen. The detail when you want it.
A personal budget that sees every card
Plan the month, then watch each category, down to coffee and subscriptions. Business purchases stay out of your personal budget, so the numbers stay honest.
HST and T2125 totals without the spreadsheet
Business profit year to date, HST collected on income and HST paid on business receipts, kept current as you go. Hand the totals to your accountant or tax software.
Your numbers inside Claude or ChatGPT
Connect Sedir to your AI assistant over MCP. Have it file a statement, check a budget, or answer “what did I spend on software this year?”. In development.
03 — See it workRecorded in the app
Clip 01
See what the business made, at a glance.
Income, business expenses and net on one card, for the month or the year so far. Tap through to any category for the detail.
Clip 02
Sort a week of purchases in one go.
Sedir flags purchases that look like business expenses. Select them, mark business or personal, and it remembers next time.
Clip 03
A personal budget that sees every card.
Plan the month by category and watch what’s left. Business purchases stay out, so the budget shows what your life really costs.
Clip 04
HST and profit, ready for April.
Business profit year to date, HST collected on income and HST paid on business purchases, always current.
04 — How it worksThree steps
- Step 1 / Bring it in
Connect a bank, or drop in a statement
Sync your banks and cards, upload PDF or CSV statements and photos of receipts, or let your AI assistant do the uploading.
- Step 2 / Sort it
Sedir separates business from personal
Purchases arrive categorized. Sedir flags likely business expenses for a one-tap review, matches receipts and remembers your rules.
- Step 3 / See it
Net income, budget, tax: at a glance
Income, business expenses and net on one card. Your personal budget by category. HST and T2125 totals in the Tax tab.
05 — Who it's forTwo kinds of hustle
Uber Eats, DoorDash & Skip drivers
You deliver with your own car, phone and card.
Know your business share of gas, insurance and the phone plan, what each week really paid, and what to keep back for tax.
Sedir for delivery drivers →Etsy, Shopify & market sellersJewellery, engraved wallets, custom stamps: a shop on your personal card.
See whether the shop really pays after materials, fees and shipping, without letting it quietly eat your personal budget.
Sedir for Etsy sellers →06 — Where Sedir fitsHonest comparison
Not another accounting suite. The missing layer between your bank and your accountant.
| Sedir | Bookkeeping apps | Budget apps | |
|---|---|---|---|
| Built for mixed business & personal accounts | Yes, per purchase | Assumes a business account | Personal only |
| Personal budget by category | Yes | No | Yes |
| HST and T2125 totals | Yes | Yes | No |
| Business-use percentage on shared bills | Yes | Sometimes | No |
| Works with your AI assistant (MCP) | In development | Rarely | Rarely |
| Invoicing, payroll, double-entry | No, by design | Yes | No |
| Starting price (CAD / month) | $4.99 | ~$15–$25 | ~$10–$20 |
Competitor prices are typical list prices in Canada as of November 2026 and change often.
07 — GuidesAll guides →
Plain-English money guides for self-employed Ontarians.
FAQ
Questions, answered.
Do I need a business bank account to use Sedir?
No. Sedir is built for delivery drivers, Etsy and Shopify sellers and other self-employed people who run business and personal spending through the same accounts and cards. It separates them for you, purchase by purchase.
Is Sedir accounting software like QuickBooks?
No. Sedir does not do double-entry bookkeeping, payroll or invoicing. It tracks transactions, separates business from personal, keeps your budget and shows tax-time totals. Many self-employed people need only that. See how it compares.
How does Sedir get my transactions?
Three ways: upload bank or credit card statements (PDF or CSV) and receipts, add income and expenses by hand, or, on Sedir Sync, connect your banks through Plaid so transactions arrive on their own.
Does Sedir file my taxes or HST return?
No. Sedir shows recorded totals: business profit, HST on income and HST on business purchases. You or your accountant still prepare and file the return. When do you have to register for HST?
Who is Sedir for?
Self-employed Ontarians who run the business through personal cards: delivery drivers for Uber Eats, DoorDash and Skip, and makers selling jewellery, engraved gifts, stamps and other products on Etsy, Shopify or at markets. Many do it alongside a job.
Is it available outside Ontario?
Not yet. Sedir currently serves Ontario, where HST is 13%. Other provinces come later.
Early access · Ontario
Run the business. Keep your life on budget.
Sedir is in early access for Ontario delivery drivers, makers and small shops. Ask for an invite and we will set you up.
Get early access →