Auto-entrepreneur budget in Morocco: separate business from personal
Track revenue, Urssaf/CNSS charges and taxes without mixing auto-entreprise money with household money.
Why a dedicated budget
A Moroccan auto-entrepreneur usually receives revenue on Attijari or CIH, pays monthly Urssaf/CNSS and the impôt libératoire, then draws what remains for household spending. Mixing both pools in one app makes revenue and personal take-home impossible to tell apart. SmartJib treats the business account and business wallet as separate places with their own working-capital balance.
How SmartJib helps
- A money place called 'Auto-entreprise account' and a 'Business wallet' for cash revenue.
- A savings bucket for the 'Impôt libératoire' (1%, 2% or 3% depending on activity).
- Built-in auto-entrepreneur simulator: compute net, contributions and taxes from revenue.
- CSV exports for your accountant.
Frequently asked questions
How much to set aside for the impôt libératoire?
Depending on activity, 1% (commerce), 2% (services) or 3% (intellectual services) of collected revenue. SmartJib helps you track a dedicated savings goal.
Can I link my Attijari Entreprise account?
No. SmartJib does not connect to any bank, including business accounts. You enter transactions manually to stay in control.
Does SmartJib replace accounting software?
No. SmartJib is a personal budget / cashflow tool. For accounting and filings use the simulator as a first estimate, then an accountant.