How much of this is actually mine?
When income arrives in lumps and the tax bill arrives once a year, the honest answer is never the balance in your account. Financial IQ works it out properly, and sets the tax aside before the money starts feeling like yours.
Freelance designer. Project fees between £800 and £4,000, plus a part-time job. Dreads Self Assessment, is not sure what counts as an allowable expense, and has tried three budgeting apps that all assume a salary.
Your year, and where it currently goes wrong.
Not a list of features. The moments you already dread, and what happens to each one.
Tax is set aside per invoice the moment it lands, so what is left is genuinely yours.
/features/cash-flow-forecastingSafe to spend calculated against your worst three months in two years, not an average that flatters a good quarter.
/features/goals-and-budgetsExpenses categorised as they arrive, with a plain explanation of why something does or does not qualify.
/features/bank-reconciliationQuarterly updates prepared from records you are already keeping, rather than a new job bolted on at the end.
/mtd/income-taxPrepared through the year rather than reconstructed in three weeks, with the money already in the pot.
/features/tax-intelligenceWhat a general money app will not do
Everything here assumes income arrives unevenly. Nothing needs configuring to cope with a quiet month.
Nobody can forecast lumpy income to the penny. You get a likely figure, a range, and the reason the range is that wide.
The single most useful thing software can do for a freelancer is make the January bill boring.
A quote from a real customer, named, with their company or their situation. Leave this out entirely rather than filling it with something invented.
Know what is yours.
Before you spend it.
Free tier available. Paid plans from £4.99 a month.