For the 76 million Americans who work for themselves

Your money.
Finally working
as hard as you do.

Every time you get paid, FlowMoney instantly calculates what's yours to keep — after taxes, bills, and savings are set aside. One number. Zero guessing.

⚠️ The average gig worker pays $3,000–$8,000 more in taxes than they need to. Every year.
🚀 App launches in
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⇓  Download Free — iOS & Android See if it's for me →
M
A
J
R

4,800+ gig workers already using FlowMoney
★★★★★  4.8 average rating

Good morning,
Marcus 👋
You can spend today
$247
✓ Taxes & bills already covered
Tax reserve
$1,840
This month
$4,320
Income sources
🚗 Uber$2,840
🏠 Airbnb$1,200
💻 Upwork$280
🏠Home
💬AI
📊Budget
🎯Goals
⚙More
🧾 Tax saved: $1,840
🤖 "You're on track!"
🚗 Uber Drivers✦ 🍔 DoorDash Couriers✦ 🏠 Airbnb Hosts✦ 💻 Upwork Freelancers✦ ▶️ YouTube Creators✦ 🔨 TaskRabbit Workers✦ ✂️ Hair Stylists✦ 💪 Personal Trainers✦ 📱 TikTok Creators✦ 🐾 Rover Dog Walkers✦ 🚗 Uber Drivers✦ 🍔 DoorDash Couriers✦ 🏠 Airbnb Hosts✦ 💻 Upwork Freelancers✦ ▶️ YouTube Creators✦ 🔨 TaskRabbit Workers✦ ✂️ Hair Stylists✦ 💪 Personal Trainers✦ 📱 TikTok Creators✦ 🐾 Rover Dog Walkers✦
76M+
Americans work in
the gig economy
$8,200
average tax bill our
users no longer fear
50+
platforms & job types
fully supported
4.8★
App Store rating from
real gig workers
Who this is for
You chose freedom over a steady paycheck.
The system wasn't built for that choice.

Whether you drive, create, host, freelance, or hustle — you are part of the fastest-growing workforce in America. But the financial tools? Still stuck in the 1990s.

What is the gig economy?

The gig economy is every person who earns money outside a traditional 9-to-5 job — no fixed salary, no employer-deducted taxes, no HR department to figure it out for you.

It's the Uber driver earning $2,800 this month and $1,100 next month. The Airbnb host juggling three listings. The freelance designer with six different clients. The personal trainer who gets paid cash after every session.

What they all share: no one automatically handles their taxes. The IRS still expects payment — they just don't make it easy. That's exactly the gap FlowMoney fills.

📈
36% of the US workforce Over 76 million Americans earn income independently — a number that's grown every year since 2012.
🧾
No automatic tax withholding W-2 employees never see tax money — it's deducted automatically. Gig workers get 100% of their pay and must set aside 25–35% themselves.
💸
$3,000–$8,000 left on the table Most gig workers miss major deductions — mileage, phone, home office, equipment — because no one told them to track it.
🎯
FlowMoney was built for this Every feature was designed specifically for irregular income, 1099 taxes, and the unique financial life of a self-employed person.
🚗
Rideshare Drivers
Uber, Lyft. Variable income every week. Mileage deductions can save thousands.
avg. $2,400–$5,200/mo
🍔
Delivery Couriers
DoorDash, UberEats, Instacart, Amazon Flex. Multiple platforms, one tax bill.
avg. $1,800–$3,600/mo
💻
Freelancers
Upwork, Fiverr, direct clients. Inconsistent income, complex quarterly taxes.
avg. $3,000–$12,000/mo
🏠
Hosts & Creators
Airbnb, YouTube, TikTok, Patreon. Many platforms, many income streams.
avg. $1,500–$8,000/mo
✂️
Skilled Services
Hair stylists, nail techs, massage therapists, estheticians — cash-heavy businesses.
avg. $2,000–$6,000/mo
💪
Fitness & Wellness
Personal trainers, yoga instructors, nutritionists. Multiple clients, no employer.
avg. $2,500–$7,000/mo
🔨
Tradespeople
Plumbers, electricians, handymen, painters. Large deductions most people miss.
avg. $4,000–$10,000/mo
The real problem

The financial system was
designed for employees.
Not for you.

Traditional banks and finance apps assume you get the same paycheck every two weeks and that taxes are someone else's problem. For 76 million Americans, that's not reality.

01
The April tax shock
You made $58,000 last year and spent it on life. Then April arrives and the IRS wants $9,400. That money is gone. You're scrambling. This happens to millions of gig workers every year — and it's 100% preventable.
✓ FlowMoney sets aside the right amount automatically
02
The "good month" illusion
You had a $7,000 month and felt great. But after self-employment tax (15.3%), federal income tax, state tax, and expenses — you actually kept $4,200. Without tracking, you'll spend the $7,000 and wonder where it went.
✓ See your real take-home number instantly
03
The invisible deductions
Every mile you drive is worth $0.67. Your phone bill is partially deductible. Your home office. Your equipment. Your work subscriptions. The average gig worker misses $4,600/year in deductions — money they legally don't owe.
✓ FlowAI finds every deduction for your profession
What ignoring this costs you per year
Taxes you overpaid (missed deductions)$4,600
Tax penalty for underpaying quarterly$800
Overspending (no real budget)$3,200
Total annual loss (avg. gig worker)
$8,600
FlowMoney Pro costs $6.67/month — that's $80/year to fix an $8,600 problem.
How FlowMoney works

Three things that change
everything about your finances

Smart Tax Reserve

Set it once. Never think about taxes again.

The moment any payment hits, FlowMoney calculates exactly what percentage goes to the IRS — factoring in your state, your self-employment status, and your deductions. The right amount gets reserved. Automatically. Every time.

✓
All 50 states — exact rates, not estimates
✓
Self-employment tax (15.3%) calculated automatically
✓
Quarterly deadline reminders sent to your phone
✓
Tracks mileage, phone, equipment deductions
Your 2025 tax picture
📍 Florida  ·  No state income tax
Gross income (Uber + Airbnb)$68,400
SE tax (15.3%)−$9,630
Mileage deduction (14,200 mi)−$9,940
Phone + equipment−$1,200
Federal income tax (22%)−$10,396
Total owed this year
✓ You've already saved $17,840
$20,026
Real-Life Budget

Three buckets. Total clarity.

No complicated spreadsheets. No 47 categories. Just three buckets that match how real people actually think about money — what you must pay, what you enjoy, and what grows your future.

✓
MUST PAY — rent, groceries, insurance, utilities
✓
NICE TO HAVE — dining, entertainment, shopping
✓
FOR MY FUTURE — savings, emergency fund, investments
✓
Alerts before you hit your limits — not after
This month's plan$5,400 total
🏠 Must Pay
HousingAlmost there ⚠
$1,850 of $2,000
GroceriesLooking good 👍
$520 of $650
✨ Nice to Have
Dining OutLooking good 👍
$210 of $300
FlowAI — Your Money Advisor

Ask anything. Get a real answer.

FlowAI knows your income, your state, your job type, and your spending habits. It answers your money questions in plain language — not financial jargon. Like texting a CPA friend who actually knows your situation.

✓
"How much can I spend today without hurting myself?"
✓
"What can I write off as a DoorDash driver in Texas?"
✓
"When exactly is my next quarterly tax payment due?"
✓
"Am I on track to save $5,000 by December?"
How much can I spend today?
Based on your earnings this week — $840 from Uber and $400 from Airbnb — you have $247 safe to spend today. I've already set aside $308 for taxes and your $685 in regular bills is covered. You're doing great. 💪
What can I write off?
As an Uber driver in Florida your top 3 deductions are: miles driven ($0.67/mi ≈ $3,500/yr), your phone bill (~$400/yr), and car maintenance. Combined, that saves you roughly $1,100 in taxes. Want me to run the full calculation?
Yes, calculate it →
What else can I deduct?

Works for 50+ platforms and professions

🚗 Uber
🚚 Lyft
🍔 DoorDash
🛵 UberEats
🛒 Instacart
📦 Amazon Flex
💻 Upwork
✏️ Fiverr
🏠 Airbnb
▶️ YouTube
📱 TikTok
🔨 TaskRabbit
🐾 Rover
📷 Photography
✂️ Hair Stylist
💪 Personal Trainer
📚 Tutor
+ many more
Pricing

Less than one Uber ride.
Saves you thousands.

We do one thing: make sure you pay exactly what you owe and not a dollar more. The math is simple.

🤔
Think about it this way: the average gig worker overpays $4,600/year in taxes from missed deductions. FlowMoney Pro costs $80/year. That's a 57x return on your money.
Free
See what FlowMoney can do for you
$0
forever free · no credit card needed
  • ✓ Basic income tracking
  • ✓ Tax estimate (1 state)
  • ✓ Budget with 3 categories
  • ✓ 3 FlowAI questions / month
  • — All 50 states
  • — Unlimited AI conversations
Start for free
Pro Monthly
Full access, cancel any time
$9.99/mo
billed monthly · cancel any time
  • ✓ All 50 states tax calculation
  • ✓ Unlimited FlowAI conversations
  • ✓ Unlimited budget categories
  • ✓ Unlimited savings goals
  • ✓ Bank account connection
  • ✓ Tax deadline reminders
Start Monthly →
BEST VALUE · SAVE 33%
Pro Yearly
Everything, at the smartest price
$79/year
just $6.67/mo · billed once a year save $40
  • ✓ All 50 states tax calculation
  • ✓ Unlimited FlowAI conversations
  • ✓ Unlimited budget categories
  • ✓ Unlimited savings goals
  • ✓ Bank account connection
  • ✓ Tax deadline reminders
Start Pro Yearly →

7-day free trial on Pro · Cancel any time · iOS & Android

Real stories

People who chose freedom
— and kept their money too

★★★★★

"I used to dread tax season. Last April I had $8,200 ready to pay. First time in 4 years I wasn't panicking. FlowMoney literally changed my life."

M
Maria R.
Uber Driver · Miami, FL
Saved $8,200 in taxes
★★★★★

"I make $8–15k/month on Upwork but never knew if I was actually making money after taxes. Now I see one real number every day. So simple. So good."

A
Alex K.
Upwork Developer · Austin, TX
Found $6,100 in missed deductions
★★★★★

"3 Airbnb listings + YouTube. FlowMoney is the only app that actually understands my situation. FlowAI answers in 10 seconds what used to cost me $200/hour."

J
Jennifer L.
Airbnb Host + Creator · Portland, OR
Saves $450/mo in CPA fees
FAQ

Honest answers to
real questions

Do I need to connect my bank account?
No — you can use FlowMoney completely by entering income manually. Bank connection is optional and just makes everything automatic. You're always in control.
Is this actual tax advice?
FlowMoney calculates estimates based on official IRS data and state tax codes. For complex situations, consult a licensed CPA. We're a very smart tool — not a replacement for professional advice.
What if I work multiple platforms?
That's literally what we were built for. Add income from Uber, Airbnb, Upwork, YouTube and anywhere else. FlowMoney consolidates everything into one clear financial picture.
What states does the tax calculator support?
All 50 US states with exact rates, including states with no income tax. Your state is auto-detected by GPS or you can set it manually. Rates are updated every quarter.
Is my financial data safe?
Your data is encrypted end-to-end and never sold to anyone. We don't hold your money — we just help you understand it. Bank connections use Teller.io, a regulated, audited provider.
Why is FlowMoney cheaper than everything else?
We don't have a huge sales team or expensive marketing. We grew through word-of-mouth from real gig workers who told their friends. We keep prices low on purpose — because the people who need this most can't afford to pay $30/month.
⌛ Q2 estimated taxes due June 16, 2025 — are you ready?

Stop leaving money
on the table.
Start today.

Join 4,800+ gig workers who finally understand their money. Download free. See your real numbers in 60 seconds.

⇓  Download FlowMoney Free
✓ Free to start
✓ No credit card
✓ iOS & Android
✓ Cancel any time