Industry

Liquidity Planning for Freelancers

Irregular income, tax prepayments, and gaps between projects — finban helps freelancers stay on top of their finances.

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Challenges

Irregular income — some months are great, others are thin, and the pattern is hard to predict

Tax prepayments (income tax, VAT) often come as a surprise and drain available cash

Payment terms of 14 to 30 days create a gap between invoicing and actually receiving the money

No clear separation between personal and business cashflow makes financial planning messy

Lack of planning certainty when deciding whether to take on new projects or raise rates

How finban helps

Real-Time Overview of Your Finances

Connect your business account and see instantly how your cashflow stands. No Excel spreadsheets, no manual tracking — everything updates automatically so you always know where you are.

Plan for Tax Prepayments

Schedule tax prepayments directly in your cashflow plan. finban shows you whether you have enough reserves when the next tax payment is due — no more last-minute scrambling.

Scenario Planning for Project Acquisition

What happens if the next project does not start for two months? How would a new retainer client change the picture? Plan different scenarios and decide based on data, not anxiety.

Simple and Fast — Built for Doers, Not Accountants

finban is set up in under 15 minutes. Connect your bank account and you are ready. No bookkeeping knowledge required — just clarity about your money.

Key Features

Automatic Bank Connection

Business account connected in real time

Cashflow Forecasting

Automatic forecasts even with irregular income patterns

Scenario Planning

Model project and income scenarios easily

Contract Management

Retainers, licenses, and fixed costs tracked in one place

Easy Setup

Ready to go in under 15 minutes

Accounting Integration

Connected to lexoffice and sevDesk

Liquidity Planning Software

Explore the full Liquidity Planning Software

See how finban brings together bank connections, scenarios, forecasting, and reporting in one tool — built for SMEs, freelancers, and growing companies.

Discover the software

“As a freelancer, I never had a clear picture of my finances. finban shows me exactly when things will get tight — and I can react in time instead of being caught off guard.”

Julia H., Freelance Designer

Key Financial Signals

finban monitors these signals automatically so you can act before problems arise.

High Burn Rate

Monthly spending exceeds a sustainable level