Irregular income, predictable life.
Built for the 60M+ US freelancers, contractors and gig workers. Smooth your variable 1099 income into a steady self-paid salary. Auto-set-aside for quarterly taxes. Health insurance via marketplace. Retirement via SEP IRA or Solo 401(k).
Pay Yourself a Salary
Variable income lands in a buffer account; we sweep a fixed weekly/monthly amount to your personal account. Excess builds a runway. Lean months draw from the buffer.
Quarterly Tax Auto-Set-Aside
Every income deposit triggers a calculated transfer to a tax sub-account (typically 25-30%). When 15 April / June / September / January arrive, the money is already there.
Health Insurance Tracker
For ACA marketplace plans, track premiums + estimated subsidy at year-end based on actual MAGI. Critical for the millions of freelancers on Healthcare.gov.
SEP IRA / Solo 401(k) Planner
Maximise retirement: SEP IRA up to 25% of net SE earnings ($69K max 2026); Solo 401(k) up to $69K + $7.5K catch-up if 50+. We calculate exact max.
Income Smoothing Reports
See your 3-month and 12-month rolling income averages. Lender-ready proof of income for mortgage / car loan applications.
Schedule C Integration
Every deductible expense tagged against Schedule C lines 8-30. Mileage at 2026 IRS rate. Home office. TurboTax-ready export.
How it works
- 1
Connect business + personal banks
Plaid syncs your Stripe/Square/PayPal income, business checking, business credit cards and personal accounts.
- 2
Set your self-salary
Tell us your minimum monthly need. We sweep that amount from buffer to personal each cycle.
- 3
Auto-set-aside taxes
Default 28% of every income deposit transferred to a tax sub-account. Adjust based on your state and bracket.
- 4
Run quarterly reviews
14 days before each estimated tax deadline, we run a full review and surface the amount to send via EFTPS or your state portal.
Frequently asked questions
What if my income drops suddenly?▼
The buffer protects you. With 3-6 months of self-salary stashed, a slow month becomes a non-event. We warn when buffer falls below your set minimum runway.
How much should I set aside for taxes?▼
Default 28% covers most cases (federal 22-32% + ~5% state). For low-income freelancers (<$50K) closer to 18%. For California / NYC high-earners closer to 35%. We adjust based on your bracket.
Can I track multiple income sources?▼
Yes — unlimited 1099 clients, plus W-2 day jobs, plus side gigs. Tag income by source for client-level profitability and Schedule C reporting.
Does it work for full-time gig workers (Uber, DoorDash)?▼
Yes — daily income deposits handled the same as project-based 1099. Mileage tracking auto-detects rideshare drives. Self-employment tax (15.3% SE tax) calculated separately.
Try Freelance Finance free
Free plan forever. No credit card. Cancel anytime.