Income lands in lumps
One month has three big invoices. The next has one. Your spending plan changes every time you check your balance.
Built for freelancers and contractors
Never get surprised by taxes. Budget like a freelancer, not an employee.
Automatically set tax money aside and smooth lumpy client income into one clear, monthly “safe to spend” number.
Not another generic budget app—built only for irregular income.
Free to join No credit card required Targeting Q3 2027. Privacy
Safe to spend this month
$2,920
↑ $340 from your baseline
All sorted
Tax cushion
$1,296 set aside
27%
Example view · Your rates and budget can be different
Security-first by design. Encrypted, least-privilege connections are launch requirements. We will never hold your funds; payments stay in your own connected account.
✓ Encrypted connections
✓ Least-privilege access
✓ Funds stay with your provider
The freelancer reality
Your income moves.
Your bills don’t.
Traditional budgeting assumes a predictable paycheck. Independent work rarely gives you one.
Taxes hide in the background
Every payment quietly carries a future tax obligation. Leaving it until tax season turns a good month into a stressful one.
“Safe to spend” is a guess
You juggle tax estimates, upcoming bills, and a variable balance. There’s no calm number you can actually plan around.
Two simple moves
Set taxes aside.
Smooth the rest.
Less financial admin. More confidence in the number you spend.
01 / Tax set-aside
Make room for taxes before you spend.
Choose a percentage once. Every incoming payment is split automatically, moving your tax portion out of reach before the rest becomes spendable.
✓ Set your own rate
✓ Change it anytime
Payment received
✓
Client payment
$3,200.00
Tax cushion28% reserved$896
Safe to spend72% available$2,304
Your set-aside
0%28%50%
Illustration only · Your tax rate will be different
BeforeRaw income
JanAprJulOct
AfterSpending plan
Safe monthly amount$2,650
JanAprJulOct
Illustrative planning view · Not a forecast
02 / Income smoothing
Turn busy months into a steady plan.
When a big payment arrives, setaside looks ahead and divides what you can safely spend across quieter months—so your budget stops bouncing around.
✓ Look a few months ahead
✓ Adjust the monthly amount
Tax estimates follow your real profile. Set-aside rules are configurable by country, region, income level, and business structure. It’s a planning estimate—not a replacement for professional tax advice.
Together: taxes already covered, income smoothed, and one number you can actually spend.
Also on the way
Know which clients are actually worth it.
Tag income by client, track your time, and see true margin per client—plus a heads-up when a retainer’s support hours run out.
Set a monthly hours budget per client and get notified before you go over.Project marginLast 90 days
Northstar Studio$8.4k46%
Pine & Co$3.2k18%
Legacy build$1.1k−4%
Example · Margin includes tracked costs and time
Planned launch connections
Bring the financial picture together without moving your money.
Bank accountsPersonal + business
StripePayments + balances
QuickBooksIncome + expenses
Availability varies by country, account type, and provider permissions.
Good questions
Before you join.
Clear answers now, before we ask you to trust us with anything.
Do you see or hold my money?
No. The waitlist never asks for bank or Stripe credentials. When live, calculations will use a connection to your own provider, while your funds stay in your account—setaside will never hold or move them.
Which countries and currencies are supported?
Launch coverage includes USD, CAD, and GBP across supported accounts in the United States, Canada, and the United Kingdom. Availability still depends on each provider and account type.
When does it launch?
We’re targeting Q3 2027. Founding members will get progress updates and first-access timing as the product gets ready.
Does this replace my accountant?
No. setaside is a planning and cash-flow tool, not an accountant or tax filing service. It helps you reserve and plan; a qualified professional should confirm your tax position.
How does income smoothing actually work?
It looks across your expected income and bills, then turns higher-earning months into a steadier monthly amount you can safely spend. You stay in control of the target.
Is it free during early access?
The first 100 signups get three months free at launch. Broader early-access pricing will be shared before anyone is charged.
Is this a client management or invoicing tool?
No—setaside stays a budgeting tool. Client tagging and time tracking exist only to make your numbers more accurate, not to replace your invoicing or project tools.
Still deciding?
The first 100 signups get three months free at launch. Use the form below to claim the founding-member offer.
Early access
First 100 signups get 3 months free at launch.
Know what’s yours to spend. Every month.
Join the list for first access and a say in what gets built next.
Free to join No credit card required Targeting Q3 2027. Read our privacy note