The only budget built
around the money you're owed.
Monarch and YNAB only see what's in the bank. But you're not a salaried employee — you have $14,000 in unpaid invoices that are as real as cash. involy's budget knows about your receivables, weights them by your collection history, and gives you a safe-to-spend number that actually reflects your business.
A safe-to-spend that includes what you're owed.
Every cash-only budget app shows you the same number: what's sitting in your bank account right now. That's fine if you get a salary. It's completely wrong if you invoice for a living — where your real financial position includes $8,000 that a client owes you, $3,000 coming in next week, and a tax bill in October.
involy's safe-to-spend accounts for all of it. It starts with your bank balance, adds your weighted receivables (adjusted for how reliably clients actually pay), subtracts reserved taxes, and lands on a number you can actually make decisions from.
- Weighted by collection history. A client who pays in 14 days counts more than one who runs 60 days past due — automatically.
- Updates live. The moment an invoice is sent, paid, or overdue, your safe-to-spend adjusts. No manual sync.
- One number. No asterisks. It accounts for income, receivables, tax reserve, and scheduled expenses — then gives you a bottom line.
An automatic tax reserve that moves with your income.
Self-employment taxes are quarterly. They are also the thing that blindsides every freelancer who had a good year and spent like it. involy calculates your estimated tax liability in real time — based on actual income in, not an estimate you set at the start of the year — and holds that amount aside automatically.
- Adjusts as you earn. Land a big invoice in June? The tax reserve goes up that same day — no quarterly scramble.
- Q3 and Q4 deadlines visible. The cash-flow view shows exactly when estimated payments are due so you can plan around them, not react to them.
- Deductions reduce the reserve. As involy tracks deductible expenses, it lowers your estimated liability accordingly — your reserve reflects net taxable income, not gross.
Lump-to-lump cash flow, not month-to-month averages.
Self-employed income doesn't arrive in neat monthly increments. A project pays in lumps — $5,000 in March, nothing in April, then $18,000 in May. Budgeting by monthly averages makes you feel rich in May and broke in April. involy's cash-flow view maps your actual receivable pipeline so you can see dry spells before they hit your bank account.
- Receivable pipeline mapped forward. See which invoices are expected to land in which week based on due dates and payment history.
- Upcoming expenses overlaid. Subscriptions, loan payments, and recurring bills are plotted against incoming cash so you can spot shortfalls early.
- No averaging. The view respects your actual income rhythm — variable, lumpy, and real.
The budget Monarch and YNAB can't build.
Those tools were designed for salaried employees. involy was built for people whose income is variable, invoice-driven, and never quite where the budget app said it would be.
Weighted by collection history
involy tracks how fast each client actually pays, then weights their open invoices accordingly. A client who pays late counts less toward your safe-to-spend — automatically.
Tax reserve auto-adjusts
Your estimated tax liability updates every time income comes in or a deductible expense is categorized. The reserve is always current — no quarterly recalculation required.
Never caught at tax time
Because the reserve builds in real time with every invoice paid, there are no surprises in September or January. The money is already set aside before you need it.
Know what you can spend.
Before the invoice clears.
Join the early access list and be among the first to get a budget that actually understands how you earn.