For independent professionals

The problem is not earning too little

It is that money arrives at once and leaves gradually, and the tax lands months later against money that is already spent. A good month and a bad month look identical in the account on the 3rd.

The tax reserve

Every time income arrives the system sets an estimated portion aside and takes it out of what is available. It is not a calculation of what you owe: it is a reserve, and it is called that everywhere in the application. Once reviewed tax rules exist for your jurisdiction the reserve will be computed from them, and the version that produced it is stored with the figure.

Personal and business expenses

Every expense is classified as personal, business, mixed or needing review. The system never marks something deductible on its own: it proposes and you confirm. A mixed expense carries the percentage you decide, not one we invented.

How long you last

With irregular income the useful question is not how much you have but how many months you cover. The system projects cash month by month and marks the first one where you would fall short.