Welcome back
Free to start. No bank connection, ever. Built from real threads on r/freelance and r/selfemployed, not guesswork.
How it works
1
Log income as it lands
Add each payment as it comes in. No bank connection, no sync to wait on.
2
See your real number
We smooth your lumpy income into one clear "safe to spend this month" figure.
3
Your taxes are already set aside
A running reserve, calculated automatically, so tax season is never a surprise.
Without a buffer
- A big payment lands and it feels safe to spend. Then next month is dry
- No idea how much of what you have is actually yours to keep
- Tax season turns into a scramble to find money you already spent
With Spend Buffer
- One clear number tells you what's safe to spend, every month
- A running tax reserve that builds itself every time you get paid
- No blindsides. You always know which kind of month you're in
No bank-switching required, unlike the "freelancer banking" apps that lock your tax savings behind a whole new account.