Who you are
The month you get paid is not the month you spend.
Income arrives in lumps and leaves steadily. Keep work money and life money in separate wallets, label what belongs to a client, and read a month that finally makes sense.
An irregular income breaks a normal budget.
A budget built around a salary does not survive a quiet March next to a busy April. What helps instead is knowing what actually landed, what actually went out, and which of it was work.
- Income arrives in lumps and spending does not
- Work money and personal money end up in the same account
- The costs of one project are spread across a whole month
Two wallets and a label.
The split does most of the work. Labels do the rest, because a project rarely lines up with a category.
1
A wallet for work, a wallet for life.
Log a payment into the work wallet, then move across what you are actually taking. Transfers are not spending, so nothing counts twice.
2
Label what belongs to a client or a project.
Labels cut across categories, so one project can be pulled back out of a month later.
3
Read this month against the last one.
A quiet month beside a busy one is the only way an irregular income reads as a pattern rather than a fright.
What a freelance setup uses.
Wallets do the separating, labels do the sorting, and the report is where it turns into something you can read.
FAQ
Good to know.
Is this an accounting app?
No. There is no invoicing, no tax reporting, and no bookkeeping. It is a record of what came in and what went out, which is a different job and a much faster one.
Can I keep work and personal money apart?
Yes. Give each one its own wallet. Moving money between them is a transfer, so it never lands in the report as a spend it was not.
Does it cope with income that is different every month?
Yes, because it records rather than assumes. Nothing here expects the same amount on the same day, and nothing marks a quiet month as a failure.
Other ways people use it
Want to work the number out first?
Emergency fund calculatorWhatever your month looks like, it starts the same way.
Know where your money goes.
Free to start, no account, and you can be logging in under a minute.