Liquidity Planning for Freelancers
Irregular income, tax prepayments, and gaps between projects — finban helps freelancers stay on top of their finances.
Start free 14-day trialChallenges
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 Lexware Office and sevdesk
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.
“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.
Missing Tax Reserves
Insufficient reserves for upcoming taxes
Learn moreOverdue Receivables
Customers regularly pay late
Learn moreCustomer Concentration
Too much revenue from too few customers
Learn moreLiquidity Gap
Upcoming liquidity shortfall detected
Learn moreRevenue Decline
Revenue shows a downward trend
Learn moreNegative Cashflow
Operating cash flow is persistently negative
Learn moreFinance Stacks
Curated finance tool stacks for your industry — see which tools work best together.