Workflow: The Freelancer's Financial Forecaster

Managing an unpredictable income is one of the biggest challenges for freelancers. Budget Vision is designed to bring clarity and predictability to this chaos.

This workflow will help you manage variable income, plan for taxes, and make confident financial decisions.

1. Plan for Taxes Religiously

Never get surprised by a tax bill again.

1. Create a "Tax Savings" Account: Make this a separate, hidden account. See the Savings and Funds guide for more.
2. Tie Savings to Income: Whenever you log a new client payment (income), immediately create a corresponding transfer to your "Tax Savings" account. If you need to set aside 25% for taxes, a $2,000 client payment should be followed by a $500 transfer to your tax fund.

2. Model Best-Case and Worst-Case Scenarios

Use the calendar to visualize your cash flow based on different income possibilities.

• Pessimistic Budget: Add recurring transactions for your absolute baseline monthly income. This shows you your financial state if you don't land any new clients.
• Optimistic Budget: Place potential, unscheduled client payments in the Inbox. Drag them onto the calendar on their estimated pay date to instantly see how a new project would impact your future balance. This helps you answer, "If I land this project, can I afford that new monitor next month?"

3. Know When to Follow Up on Invoices

When a client is late on a payment, it can disrupt your entire plan.

In Budget Vision, you can simply drag the planned income transaction from its original due date to a week later. The app will instantly recalculate all future daily balances, showing you the real impact of the delay. This helps you understand the urgency of sending that follow-up email.