Who it's for
The budgeting app for freelancers and the self-employed
Irregular income, business expenses on a personal card, a tax bill nobody withheld for. Vekfinance was built for exactly this: one app, two tracks, never mixed.
Most budgeting apps assume a paycheck on the 1st and the 15th and a life that fits in sixteen categories. Freelancers, contractors and solopreneurs live differently: three invoices in March and none in April, a laptop bought on the personal Amex because that is the card that was out, and a quarterly tax payment that is somehow always a surprise. Tools built for W-2 life make that mess worse by mixing it all into one pile.
Vekfinance keeps two tracks. Tag any account, or any transaction, as business and it stays out of your personal totals, gets its own debt payoff plan, and feeds a business taxes view. Your personal budget stays clean, your business picture stays honest, and the private AI coach can answer questions about either without ever seeing a raw transaction.
What a freelancer actually needs
We built the feature list from the problems, not the other way around.
- Separation without two apps. One login, two tracks. Business accounts and transactions are tagged, excluded from personal spending and income, and reported on their own.
- A tax view that keeps up. The business taxes page tracks business income, expenses and profit month by month and estimates a tax set-aside from your rate, so the quarterly payment is a number, not a shock.
- Cash-flow forecasting for lumpy income. The forecast projects your balance weeks ahead from recurring bills and expected income, and the bill calendar flags the first tight day, which matters more when invoices arrive unevenly.
- Savings buckets for the tax bill. Split one savings account by percentage into named buckets: taxes, emergency fund, slow-season float, so the money is set aside the day the invoice clears.
- A debt plan for the business too. Business cards and loans get their own avalanche-versus-snowball cockpit, separate from the personal one.
- Bank sync via Plaid for both. Connect the business checking and the personal checking; categorization runs on both inside your encrypted account.
How the business track works
Tag an account as business once and every transaction on it inherits the tag. For the occasional business expense on a personal card, tag the single transaction. Personal reports, the budget, the health score and the household view all exclude business activity automatically; the business reports and the taxes view include only it. Nothing is ever double-counted, and a credit-card payment settling business purchases does not show up as spending twice.
Who this is for
Designers, developers and writers billing by project. Real-estate agents and brokers. Consultants with one or two clients at a time. Drivers, creators, tutors, trades. Anyone with a Schedule C and a personal life on the same phone. It is not full accounting software: if you need invoicing, payroll or double-entry books, keep QuickBooks or Wave for that and use Vekfinance for the money picture across both sides of your life.
Private, by architecture
Your bank tokens and database are encrypted at rest, bank access is read-only, and the AI coach only ever receives de-identified bands and ratios, never client names, merchants or amounts. Under every answer you can open the exact payload that was sent. That matters more when the data is your business.
Frequently asked questions
Is Vekfinance a replacement for QuickBooks?
No. It is not accounting software and does not do invoicing, payroll or double-entry bookkeeping. It gives freelancers one clear picture of personal and business money, separated correctly, with budgeting, debt payoff, cash-flow and a taxes view on top.
How does the business taxes view work?
The business taxes page totals business income, expenses and profit through the year, month by month, and estimates a set-aside at the tax rate you choose. It is an estimate to plan around, not tax advice; review your expenses with a tax professional.
Can I tag a single transaction as business?
Yes. Tag whole accounts or individual transactions. Either way the item leaves your personal totals and joins the business track.
Does irregular income break the budget?
No. Budget targets are per category, not per paycheck, and fill-from-average uses your real history. The cash-flow forecast handles uneven income by projecting from what is actually scheduled.
What does it cost?
$10 a month or $99 a year, everything included, after a 30-day free trial. There is no separate business plan.
Two tracks, one app, thirty days free
Connect a business and a personal account tonight and see both pictures clearly. 30-day free trial, card required, cancel anytime before it ends.
Start your 30-day trial