Free freelance finance tool
Freelance cashflow calculator
Estimate your month-end cash by comparing received income, expenses, tax reserve, unpaid invoices, and target buffer. Use it for a quick reality check before the month gets blurry.
How to read the result
Freelance income can look healthy while cash is still tight. The key is separating received income from expected payments.
Received income
Money that actually landed this month. This is the safest number to use for cashflow.
Unpaid invoices
Useful for planning, but not available cash until the client pays.
Target buffer
The amount you want left after expenses so the next slow week does not hurt as much.
Use real records next time
A calculator is only as useful as the numbers you put in. NotaWA helps you record income and expenses from WhatsApp while they are fresh.
+1200 client milestoneIncome saved
-39 software subscriptionExpense saved
monthMonthly cashflow summary
balanceCurrent balance
Common questions
A few plain answers before you use the numbers for planning.
What is freelance cashflow?
Freelance cashflow is the money that actually comes in and goes out. It is different from revenue or invoices because unpaid invoices are not available cash yet.
How often should freelancers check cashflow?
Weekly is enough for many freelancers. Check received income, fixed expenses, variable expenses, unpaid invoices, and your remaining buffer.
Does this replace bookkeeping?
No. This is a planning calculator. NotaWA is a lightweight daily tracker, not full accounting, tax, or financial advice.