Purpose-built tools for the unique challenges of irregular income.
Turn irregular freelance payments into a predictable monthly budget. Our algorithm analyzes your income patterns and creates a stable baseline.
Avalanche or snowball — pick your strategy. We calculate the optimal payoff plan and show you exactly when you'll be debt-free.
Customizable spending categories with smart limits that adjust based on your smoothed income. No more guessing what you can afford.
Work with clients across the EU? Track income in multiple currencies with automatic conversion to your base currency.
Start free. Upgrade when you need more power.
“FlowBudget finally made my freelance income feel predictable. I used to stress every month about whether I could cover rent — now I have a clear plan.”
Marta K.
Berlin, DE
“The income smoothing is brilliant. I get paid in chunks from different clients, but FlowBudget turns it all into a steady monthly number I can budget around.”
Joao S.
Lisbon, PT
“I paid off my credit card debt 4 months faster than expected thanks to the debt planner. The avalanche method visualization kept me motivated.”
Elise D.
Amsterdam, NL