Financial Intelligence
Every operating cost, in your profit
MerchantFlow tracks OPEX and CAPEX, generates recurring expenses automatically, amortizes big purchases, and folds all of it into your daily P&L.
See it in action
Expenses that allocate themselves
Software, payroll, rent, and equipment - categorized, scheduled, and spread across the days they belong to.
Expenses
OpEx and CAPEX, categorized and allocated across your daily P&L.
Monthly OpEx
$14,730
Recurring operating costs
Recurring Rules
5
Auto-generated each cycle
CAPEX / Month
$1,800
Amortized into P&L
| Expense | Type | Booked | Monthly P&L |
|---|---|---|---|
Contractor payrollPayroll · Recurring - next May 1 | OPEX | $8,400 | $8,400 |
Warehouse rentFacilities · Recurring - next May 1 | OPEX | $3,200 | $3,200 |
Shopify PlusSoftware · Recurring - next May 14 | OPEX | $2,300 | $2,300 |
KlaviyoSoftware · Recurring - next May 9 | OPEX | $480 | $480 |
3PL connectorSoftware · Recurring - next May 3 | OPEX | $350 | $350 |
Trade show boothMarketing · Amortized over 12 mo | CAPEX | $12,000 | $1,000 |
Packaging lineEquipment · Amortized over 36 mo | CAPEX | $18,000 | $500 |
Studio camera kitEquipment · Amortized over 24 mo | CAPEX | $7,200 | $300 |
Illustrative data - not representative of actual performance
The problem
Ad spend and COGS are only half the story
Software, payroll, rent, agencies, and equipment all eat into real profit. Leave them out and your margin looks better than it is.
Overhead gets forgotten
It is easy to track COGS and ads and forget the subscriptions, salaries, and rent that quietly add up every month.
Recurring costs are tedious
Re-entering the same monthly and yearly bills by hand is error-prone and easy to skip.
Big purchases distort a month
A single large equipment buy can wreck one month's profit if it is expensed all at once instead of spread over its useful life.
The solution
OPEX and CAPEX, handled
Categorize every expense, let recurring ones generate on schedule, amortize CAPEX over its life, and see all of it land in the right days of your P&L.
OPEX and CAPEX in one place
Separate operating costs from capital purchases and treat each the right way, without leaving your profit dashboard.
Recurring generation
Set a bill once as weekly, monthly, quarterly, or yearly and MerchantFlow creates each instance automatically.
CAPEX amortization
Spread a big purchase across its useful life so its cost lands smoothly month after month, not all in one.
Allocated to your P&L
Every expense flows into the daily P&L on the days it belongs to, so net profit reflects the full cost of running the business.
How it works
Set it once, let it run
Add an expense
Record a cost, pick its category, and tag it as OPEX or CAPEX.
Make it recurring or amortized
Choose a cadence for recurring bills, or an amortization schedule for capital purchases.
See it in your profit
The expense allocates across the right days and shows up in your contribution and net margin automatically.
FAQ
Expense tracking, answered
What is the difference between OPEX and CAPEX here?
OPEX covers ongoing operating costs like software, payroll, and rent that hit profit as they occur. CAPEX covers larger capital purchases that MerchantFlow spreads over their useful life so a single buy does not distort one month.
How do recurring expenses work?
You set an expense once with a cadence - weekly, monthly, quarterly, or yearly - and MerchantFlow generates each occurrence on schedule, so your P&L always includes them without re-entry.
Can I amortize a large purchase?
Yes. Enter the purchase and an amortization period, and its cost is spread evenly across that span in your P&L instead of landing all at once.
Where do expenses show up?
Every expense is allocated into your daily P&L on the days it applies to, so it is reflected in contribution margin and net profit alongside COGS, ad spend, and fees.