Forecast Your Freelance Income Before It Hits Your Bank
Track invoices, expenses, tax set-aside, client income and safe-to-spend cashflow in one simple dashboard built for freelancers with irregular income.
Free forever plan · No credit card required · No bank connection needed
Welcome back, Alex!
Current balance
$12,480
Safe to spend (30d)
$4,830
Runway
4.2 mo
Proj. end-of-month
$10,940
Income (this month)
$6,200
Expenses (this month)
$1,840
Tax to set aside
$1,550
Best client
Northstar
2 overdue invoices totalling $3,000 — Review invoices →
Overdue invoices
$3,000
2 invoices overdue
Due in next 30 days
$9,650
6 invoices upcoming
Sound familiar?
Freelancers don't have a steady salary. Every month is different. These are the questions that keep you up at night.
"Am I about to run out of money?"
Irregular income means cashflow anxiety every month.
"How much tax should I set aside?"
Every invoice creates a tax liability you might have forgotten to plan for.
"Can I afford this expense right now?"
Without cashflow visibility, every purchase is a gamble.
"Which clients are actually profitable?"
Some clients take 80% of your time and barely cover costs.
"Will I have money in 3 months?"
Project gaps create stress that spreadsheets can't resolve.
"That invoice was overdue last week..."
Overdue invoices silently drain your cashflow while you're busy.
"My spreadsheet is always out of date"
Manual tracking is error-prone, tedious, and easy to skip.
One dashboard built for your reality
Finance Forecast gives freelancers the financial clarity they deserve — without connecting a bank account, hiring an accountant, or wrestling with spreadsheets.
Know your true cashflow
See a real-time picture of what you have, what's coming in, and what's going out — weighted by the confidence you assign to each invoice.
Never be surprised by tax again
Set your tax rate once. As income comes in, Finance Forecast automatically shows how much to set aside — so there are no nasty surprises at year end.
Make spending decisions with confidence
The Safe to Spend number tells you exactly how much you can spend in the next 30, 60, or 90 days after reserving for bills, tax, and a safety buffer.
Everything a freelancer actually needs
No bloat. No enterprise features you'll never use. Just the tools that matter for running a solo business.
Cashflow Forecast
3, 6, and 12-month projections with income weighted by confidence. Visual charts show exactly where your cashflow is heading.
Tax Set-Aside Calculator
Configure your tax rate once. The dashboard tracks exactly how much to reserve each month from received income — no more guessing at year end.
Safe to Spend
A single headline number: how much you can safely spend in the next 30 days, after tax, bills, and a configurable safety buffer.
Invoice Tracking
Create, send, and track invoices through DRAFT → SENT → PAID. Auto-detects overdue invoices and alerts you when money is late.
Client Profitability
See revenue, outstanding amounts, and repeat rates per client. Instantly identify who your most valuable clients are.
Project Profitability
Track fixed-fee and hourly projects against costs. See profit margin and effective hourly rate for every project. (Pro+)
Expense Tracking
Log one-off and recurring expenses. Monthly, quarterly, and yearly subscriptions are forecasted automatically in cashflow projections.
AI Financial Insights
Monthly summaries, invoice chase email templates, and client profitability analysis — generated in seconds by AI, grounded in your real data.
Reports & Analytics
12-month income vs. expenses charts, client revenue breakdown, expense categories, and project profitability table. Exportable to CSV. (Pro+)
Your financial command centre
Everything you need to see at a glance — real numbers, real alerts, real clarity.
Welcome back, Alex!
Current balance
$12,480
Safe to spend (30d)
$4,830
Runway
4.2 mo
Proj. end-of-month
$10,940
Income (this month)
$6,200
Expenses (this month)
$1,840
Tax to set aside
$1,550
Best client
Northstar
2 overdue invoices totalling $3,000 — Review invoices →
Overdue invoices
$3,000
2 invoices overdue
Due in next 30 days
$9,650
6 invoices upcoming
Demo dashboard — uses illustrative data. Your actual numbers will vary.
Up and running in minutes
No bank connection. No complex setup. No accountant required.
Sign up free
Create an account in under 60 seconds. No credit card, no bank connection required.
Add clients & invoices
Enter your clients and create invoices. Import existing work or start fresh from today.
Track income & expenses
Log received payments and recurring costs. The dashboard updates in real time.
See your forecast
Your cashflow forecast, safe-to-spend, and tax set-aside are calculated automatically.
Built for every type of independent professional
If you work for yourself, Finance Forecast is built for you.
Simple, transparent pricing
Start free. Upgrade when you need more. Cancel anytime.
Free
Get started with the essentials.
- 5 clients
- 10 invoices
- Basic 3-month forecast
- Tax set-aside calculator
- Safe-to-spend calculator
- 5 AI insights per month
Solo
For full-time freelancers.
- Unlimited clients & invoices
- Income & expense tracker
- Tax set-aside & savings goals
- Safe-to-spend calculator
- Cashflow forecast
- CSV exports
- 50 AI insights per month
Operator needs to configure Stripe
Pro
For established freelancers who want the full picture.
- Everything in Solo
- Project profitability tracking
- 12-month advanced forecasts
- Full reports dashboard
- Client revenue analysis
- 200 AI insights per month
Operator needs to configure Stripe
Studio
For solo agencies and high-revenue contractors.
- Everything in Pro
- Multi-brand / solo agency use
- Advanced reporting
- Priority feature requests
- 1,000 AI insights per month
- Extended data history
Operator needs to configure Stripe
Frequently asked questions
Is this financial advice?
No. Finance Forecast is an organisational tool that helps you track and visualise your finances. All figures are estimates only. Nothing in this app constitutes financial, tax, accounting, or legal advice. Always consult a qualified professional for decisions specific to your situation. Read our full disclaimer.
Do I need to connect my bank account?
No bank connection is required or supported. You enter your financial data manually. This keeps your banking credentials completely private and means the app works anywhere in the world regardless of your bank.
How is Safe to Spend calculated?
Safe to Spend = Current balance + Expected income (weighted by confidence) − Upcoming expenses − Tax reserve − Safety buffer. The result tells you how much you can spend without shortchanging future obligations. You can adjust the period (30/60/90 days) to see how the number changes.
How accurate are the tax estimates?
Tax estimates use the flat percentage you configure in settings. They are rough guidelines only — your actual tax liability depends on your jurisdiction, income structure, allowable expenses, and other factors. Always verify your tax obligations with a qualified accountant.
Can I use this outside the US / UK?
Yes. Finance Forecast supports any currency and is designed to work globally. Tax rates, invoice formats, and currency symbols are all configurable. No jurisdiction-specific rules are enforced by the app.
What does the AI do?
The AI (powered by OpenAI, optional) generates three types of insights: a monthly financial summary, an invoice chase email template, and a client profitability analysis. It receives an anonymised summary of your financial data — not raw transactions. AI features require an OpenAI API key to be configured.
Is my data safe?
Your data is stored in a private PostgreSQL database. Passwords are bcrypt-hashed. We do not sell or share your data. See our Privacy Policy for full details.
Can I export my data?
Yes. CSV export is available on Solo and above plans. You can export invoices, income entries, expenses, and clients from their respective pages.
What happens to my data if I cancel?
Your data remains accessible until the end of your billing period. After cancellation, your account reverts to the Free plan (with its limits) — your data is not deleted. You can request full data deletion at any time.
Is this suitable for a limited company or LTD?
Finance Forecast is primarily designed for sole traders, freelancers, and independent contractors. It can be used to track limited company finances manually, but it doesn't handle corporation tax, directors' dividends, or formal accounting entries. Consult an accountant for limited company needs.
Stop guessing. Start forecasting.
Join freelancers who finally know what they can safely spend before their next invoice lands.