Built for freelancers · 14-day free Pro trial

Know exactly what's safe to spend — even when your income isn't steady.

SteadyFlow tracks your invoices, reserves the right amount for taxes automatically, and turns your feast-or-famine income into one clear number every week.

Demo login: demo@steadyflow.com / demo123 — no signup needed.

SAFE TO SPEND THIS WEEK
$1,227
Based on your income smoothing algorithm
Monthly Income
$7,278
smoothed
Tax Reserved
$22,136
of $30,324
Outstanding
$8,400
1 overdue
Cash Flow — Last 6 Months
💡 AI Weekly Digest: You earned $7,278 and reserved $2,183 for taxes. Acme Corp pays in ~11 days — invoice them first to smooth your cash flow.
72.9M
Americans freelance — and almost every budgeting app still assumes a fixed paycheck
7%
IRS underpayment penalty in 2026, compounding daily — one missed quarterly payment can cost $1,000+
80%
of freelancers experience late client payments, creating unpredictable cash flow
How it works

From chaos to one clear number

Set up in under two minutes. No bank connection required to start.

1

Add your income & invoices

Log payments as they arrive and track every invoice you send — including who's viewed it and who's overdue.

2

SteadyFlow does the math

Your tax reserve is calculated automatically from your real income, filing status, and state — including self-employment tax and quarterly deadlines.

3

Spend with confidence

Income smoothing turns your lumpy months into one steady number: exactly what's safe to spend this week.

Features

Everything a freelancer's money needs

Built specifically for irregular income — not a salary app with freelancer features bolted on.

💵

Safe-to-Spend

One number that already accounts for taxes, savings, and your income swings. If it's green, you can spend it.

🧾

Tax autopilot

Quarterly estimates computed from your actual income — federal, state, and self-employment tax — with deadlines and progress bars for every quarter.

📨

Invoice command center

Track sent, viewed, paid, and overdue invoices. Client reliability scores tell you who pays early and who needs a nudge.

🤖

AI insights & deduction finder

A weekly digest of your money plus deduction opportunities found in your actual spending — our demo user found $6,353/year.

📈

Income smoothing

Feast months fund famine months automatically. See your smoothed income and 90-day cash flow forecast.

🔒

Private by design

Your financial data lives on your device — not on our servers. No bank login required. Leave anytime, take everything.

Pricing

Cheaper than one missed tax deadline

A single IRS underpayment penalty can cost more than a decade of SteadyFlow.

Free

$0
forever
  • Income & expense tracking
  • Basic tax estimates
  • Up to 5 invoices/month
  • Dashboard overview
  • AI insights & deduction finder
  • Income smoothing
Get started free
MOST POPULAR

Pro

$15/month
14-day free trial, cancel anytime
  • Everything in Free
  • AI-powered insights & weekly digest
  • Tax deduction finder
  • Income smoothing algorithms
  • Unlimited invoices + client scores
  • 90-day cash flow forecast
Start 14-day free trial
BEST VALUE

Pro Annual

$12/month
billed $144/year · 14-day free trial
  • Everything in Pro
  • 2 months free vs monthly
  • Early access to new features
  • Priority support
Start 14-day free trial

Payments secured by Stripe. No charge until your trial ends — cancel in one click.

FAQ

Questions, answered

Do I need to connect my bank account?

No. SteadyFlow works without any bank connection — add income and expenses as they happen, or track them from your invoices. Bank sync is on the roadmap for those who want it.

Is my financial data safe?

Your data is stored privately on your own device, not on our servers. Nobody at SteadyFlow can see your numbers. Payments are handled entirely by Stripe, a PCI-DSS Level 1 certified processor.

How accurate are the tax estimates?

Estimates use current federal brackets, self-employment tax (15.3%), your filing status, and state rates. They're designed to keep you safely reserved — always confirm final numbers with a tax professional.

Can I cancel anytime?

Yes. Cancel during your 14-day trial and you pay nothing. Cancel later and you keep access until the end of your billing period.

I freelance outside the US — can I use it?

Income tracking, invoicing, smoothing, and AI insights work anywhere. Automated tax estimates are currently tuned for US federal + state taxes, with more countries on the roadmap.

Stop guessing. Start knowing.

Two minutes to set up. Free to start. Built by a freelancer who needed it.

Start Free Trial →

or explore the demo: demo@steadyflow.com / demo123