Some months you bill double your rent. Some months nothing lands.

Yes. Those tools are built for small businesses with employees and regular income. We built FreelanceCFO for the solo freelancer: irregular income, self-employment tax, and client-by-client profitability.

No. Unlike Found or Lili, we don't make you use our banking product. Keep whatever bank you already have. Import a CSV from your existing bank, or add transactions by hand in seconds.

Not yet. FreelanceCFO tracks, estimates, and reminds. For actual filing, you'll still use TurboTax or an accountant. But you'll show up with everything organized and no surprises.

Yes. The first 100 paying customers get Pro at $10/month for life. After that, Pro is $20/month. Start free, then upgrade from inside the app while early bird spots are left.

Yes. The core features (runway calculator, budgeting, tax tracking, and client profitability) are live now, and you can start free with no credit card. There is no waitlist. Anyone can sign up and use the app today.

Safer than a spreadsheet in your inbox, and not risk free. Client names, emails, notes and invoice text are encrypted with a key per user before they are stored. Amounts and dates are not field-encrypted; they rely on access rules, where your login can only read your own rows, and disk encryption at the database host. We never ask for or store your bank login. The trust page has the full map, including what we cannot promise.

You should not, at least not yet. Run the free calculators, which work in your browser and send nothing. Open the demo, which is the real app on made-up numbers with no account behind it. Then start with two numbers: cash on hand and what a lean month costs. Add real transactions only once the rest has checked out.

Technically, yes, and no product that processes your data on a server can honestly say otherwise. The master encryption key lives in our server environment, never in your browser, because that is how the app reads your encrypted fields back to you. Conversations Lance flags as misuse can be reviewed by our staff, and each review is logged. Amounts and dates are not field-encrypted.

No. There is no live bank connection in the product today. You import a CSV from your bank or type transactions in, so we hold no bank login and have no access to move your money.

No. We do not use your financial data to train AI models, and the AI provider is engaged under terms that prohibit it from doing so. Lance sends your question and the records it read to answer it to that provider, and only when you ask. Free tools and the demo send nothing to it.

Use Request deletion in Settings, which opens an email to us, or write to support@contact.freelancecfo.online. We process requests within 30 days. Deleting an account removes your data, including the encryption key that makes your encrypted fields readable. Deleted Lance conversations are hidden from you but kept until the account is closed.

Cash runway is how many months you could survive if new client work stopped today. Freelancers live with feast-or-famine income, so runway matters more than a fixed monthly budget. FreelanceCFO calculates it from your real spending.

Budgeting apps like Mint and YNAB assume a steady paycheck. Spreadsheets don't calculate self-employment tax or tell you which client is worth keeping. FreelanceCFO is built around irregular income from day one: runway, quarterly taxes, and per-client profitability, with none of it built by hand.

Import a CSV export from your bank and we detect the columns, categorize every row, and let you review before anything saves. Most banks export a CSV in two clicks. Automatic bank connections are not available yet.

Lance is the AI you can ask about your own books, like who owes you money or what is overdue. It reads your invoices and clients, answers with the numbers behind it, and can draft an email. It never sends anything by itself. Every draft opens in an editor where you can change anything, and you are the one who hits send.

Anything about your own invoices and clients: who owes you money, what is overdue and for how long, or whether what you are owed covers next month's spending. Lance reads your real numbers, answers in plain English, and can draft a follow up email you edit before it sends.

An email a few days before each federal quarterly estimated tax deadline, in April, June, September, and January. It is free, it does not need an account, and you can unsubscribe from any of them.