Free expense tracker that sets your tax aside for you

Know your profit — and your tax — without a spreadsheet

Freelance money is messy: income lands at random, expenses pile up, and tax season is a nasty surprise if you never set anything aside. Full accounting apps like QuickBooks are built for businesses with payroll and want a monthly subscription. This is a simple income-and-expense tracker that gives a freelancer the three numbers that matter — money in, money out, and what's actually yours after tax.

Add each transaction as income or expense, mark it paid or pending, and tag a category. The dashboard shows income, expenses, net profit and a tax-to-set-aside figure based on your rate. A monthly bar chart shows income vs expenses over the year, and a category breakdown shows where the money goes. Everything stays on your computer.

What you can do

How to track your finances in 3 steps

1. Add your income and expenses as they happen, with a category and paid/pending status.
2. Set your tax rate so the tool tells you how much to set aside.
3. Check the dashboard for net profit and the running tax figure — no surprises at year-end.

Note: the tax set-aside is an estimate to help you save, not formal tax advice. Confirm your actual liability with a qualified accountant.

Free vs. Pro

The free tracker above covers everyday income and expense tracking. The one-time CashFlow Pro ($12) lifts the transaction cap and enables CSV export — pay once, no subscription. It completes the freelance loop: win the client, invoice them, track hours, and manage the cash here. Get all four in the $33 Freelance Tools Suite · also on Payhip.

Frequently asked questions

Is this expense tracker free?

Yes. The free version logs income and expenses with no account. An optional one-time Pro version lifts the transaction cap and enables CSV export.

How does the tax set-aside work?

You set a tax rate; the tool sets aside that percentage of your net paid income (paid income minus paid expenses). It's an estimate to help you save, not tax advice.

Is it for self-employed and freelance income?

Yes. It's built for freelancers who want a simple profit-and-tax picture, not full double-entry accounting. Mark items paid or pending and filter by month, year or type.

Can I see where my money goes?

Yes. Expenses break down by category, with a monthly income-vs-expense chart for trends and biggest cost areas.

Is my financial data private?

Completely. Everything stays in local storage with zero network requests — nothing is uploaded.

More free tools for freelancers

Part of a set of five offline, no-subscription tools that share a CSV format: