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Freelance income doesn't arrive on a schedule — your expense tracking shouldn't assume it does

Expense Tracker · free · no signup

An expense tracker for freelancers has to handle "no two months the same"

Employees get a number every month that barely moves; freelancers get a number that swings from "great quarter" to "where did that invoice go" within six weeks of each other. A regular budgeting app assumes a steady paycheque landing on the same day, which is exactly the assumption that falls over the moment your income is lumpy. What actually helps isn't a stricter budget, it's a clear, ongoing view of what's coming in versus what's already spoken for (tax, mainly).

That last bit is the one freelancers skip and then regret at filing time: setting aside a rough percentage for tax the moment the money arrives, rather than after it's already spent on other things. Doing that well starts with keeping business spending separate from personal spending — even just logging expenses into two categories does most of the job. This tracker lets you do that without a bank login (you add expenses, or import a statement, and it stays in your browser) — no live business account required. Just try it against last month's invoices and see the split for yourself.

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Common questions

How do freelancers set aside money for tax while tracking expenses?
A common approach is to move a fixed percentage of every payment (a rough estimate based on your last tax bill) into a separate category or account as soon as it lands, rather than waiting until the money's already been spent elsewhere. Categorising income and expenses as you go makes that percentage easy to calculate instead of guessed at the end of the year.
Can I use this without a business bank account?
Yes — you don't need to connect any bank account at all. You add expenses manually or import a statement file, and you can split business from personal by category even if both currently run through the same account.
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