A budget built
around the money you're owed.
Budgeting apps mostly see what's in the bank. But you're not a salaried employee — you have $14,000 in unpaid invoices that are real contracted income. involy's budget keeps them in view right beside a safe-to-spend number that reflects your business.
A safe-to-spend that knows 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 accounts for all of it. Safe-to-spend starts with the cash you've recorded, subtracts upcoming bills and your tax reserve, and lands on a number you can actually make decisions from. What clients owe you sits right beside it as "coming in" — visible, but never spent before it lands.
- Owed, but not spent early. Open invoices show next to safe-to-spend, never inside it, so a late client can't break your budget.
- Updates as you work. Record a payment or a bill and your safe-to-spend changes right away. No manual sync.
- One number. No asterisks. It accounts for income, tax reserve, and scheduled bills — then gives you a bottom line.
A tax reserve that moves with your income.
Self-employment taxes are the thing that blindsides every freelancer who had a good year and spent like it. involy estimates a tax reserve from your actual profit — 25% by default, and you can change the rate — and takes it off your safe-to-spend, so that money never looks spendable. It is an estimate, not tax advice.
- Adjusts as you earn. Get paid on a big invoice in June? The reserve goes up as soon as the payment is recorded.
- Based on profit, not revenue. Business expenses lower your profit, and the reserve follows.
- Your rate, your call. Start at 25% and tune it with your accountant.
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 plan maps your open invoices and bills over the next eight weeks so you can see dry spells before they hit your bank account.
- Receivables mapped forward. See which invoices are expected to land in which week, based on due dates — with overdue invoices assumed to land late, and discounted.
- Upcoming bills overlaid. Subscriptions 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.
A budget for invoice-driven income.
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.
Owed, in view
What clients owe you shows right beside your safe-to-spend, so you always know what's coming — and your dashboard ranks who is most overdue.
Tax reserve auto-adjusts
Your tax reserve estimate updates every time you record income or an expense. It is always current — no quarterly recalculation required.
Never caught at tax time
Because the reserve comes off your safe-to-spend as you earn, the money you'll owe never looks spendable. Fewer surprises in September or January.
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.