involy is the AI accountant for the self-employed — invoice, get paid, and budget around the money you're owed.Not just what's in the bank.
There are 30 million self-employed Americans — engineers, consultants, electricians, property managers — and not one money app built for how they actually earn.
QuickBooks asks about your chart of accounts. FreshBooks wants you to reconcile. Xero charges $78/mo for features you'll never touch. You just want to invoice, get paid, and know you're okay.
Monarch, YNAB, Quicken — great tools, but they only see banked cash. You've invoiced $18,000 this month and your budget app thinks you have $2,100. That's not your money picture.
Send invoices. Get paid. Budget around what you're owed, not just what's landed. Let AI do the books. involy is built for how freelancers and contractors actually live — income in lumps, not salaries.
involy sets aside your estimated quarterly taxes as money comes in — so April 15 is just another Tuesday, not a financial crisis. No more scrambling for money you already spent.
This is what every other app misses. involy tracks the money you've earned but haven't received yet — and plans your life around it.
You finish the project. You send the invoice. The work is done — but your bank shows nothing. To YNAB, Monarch, and Quicken, this $4,750 simply doesn't exist.
involy treats your receivable as timing-weighted future income. It doesn't pretend you have $4,750 in cash — it plans as if you will, weighted by your collection history. Your safe-to-spend goes up.
Your safe-to-spend climbs — not recklessly, but accurately. involy also pre-calculates your tax reserve on that income, so you're not blindsided in April. The budget reflects reality.
Your client pays. The $4,750 hits your account. involy converts the receivable into real cash — the budget barely moves because it already knew. No surprise. No scramble. Just the plan, confirmed.
One app replaces your invoicing software, your spreadsheet, your accountant, and your anxiety.
Send branded invoices in 30 seconds. Accept card or ACH. Automatic payment reminders so you never have to ask twice.
Win the work before you invoice it. Send a professional proposal, get e-signature, convert to invoice in one click.
It does the books for you. Categorizes transactions, tracks deductions, prepares P&L. You never need to know what a "chart of accounts" is.
The only budget built around your unpaid invoices. A receivables-aware safe-to-spend number — plus an automatic tax reserve — so you always know what you can really afford.
Early accessinvoly keeps the books, chases the invoices, and reserves the taxes — so the money side runs itself and you get back to the work, and the life, that made you go independent.
Switch between Owner Mode for the calm daily view and Accountant Mode for the full picture — one tap, no re-learning.
Mode switching doesn't change your data. Same numbers, different lens. One source of truth.
Try everything — every feature, every plan — for 90 days. No card. Early access members lock in founding pricing forever.
Be among the first self-employed people to experience a money app that actually understands how you earn.
No spam. No credit card. Just early access.