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For UK freelancers · Early access

Know what you can spend today.

One honest number for money that arrives late, early or not at all.

Join the waitlist How it works
Safe to spend £1,240 until Fri 14 Nov · 7 days
20% of every payment, kept for tax
Flowly's coin mascot locking money in a safe
+£1,850 counts only once it lands
Flowly's coin mascot dropping a pound into a jar

Freelance income is irregular. Your bills aren’t.

Invoices land late

2 days

late. Brightside’s £420 was due Wed 5 Nov.

Bills don’t wait

£1,251

leaves every month, whatever came in.

Tax shows up later

31 Jan

£1,420 due to HMRC, long after it felt spendable.

How it works

One number you can trust.

Safe to spend is what’s left once everything due before your next payment is covered. Expected money never counts until it lands.

Maya · Saturday 7 November

  • £2,310balance
  • −£204bills before payday
  • −£766tax
  • −£100buffer

= £1,240

safe to spend

until Studio North pays on Fri 14 Nov

  1. Add your balance

    Type what your bank shows. No bank connection, nothing shared.

  2. Add bills and who owes you

    Rent, phone, invoices you’re waiting on. Tax is held back automatically.

  3. Check one number

    See what’s safe today, and when money gets tight, before it does.

Features

Built for money that arrives when it likes.

Only +£1,200 money you have counts.

Invoices you’re waiting on show in your forecast, but they only become spendable once they arrive. Late payers are flagged, never counted.

Coin mascot saving into a jar while an invoice arrives

Keep 20% tax money out of sight.

Flowly holds back a share of every payment and plans for your HMRC payments on account, so January is never a shock.

Coin mascot locking tax money in a safe

See tight days coming

The forecast shows your lowest point before it happens. Solid lime is money you have; dashed mint is money you’re still owed.

Hover the chart to check any day.

Heads up, not panic

If bills will outrun your money, Flowly says how short, why, and what you can do: chase a late payer, move a bill, or lower your buffer.

Currencies

Paid in pounds, dollars or euros?

Each currency gets its own pot, with its own balance, bills and safe to spend. No exchange-rate guesswork, so every number stays exact.

£1,240

safe to spend until Fri 14 Nov

$860

safe to spend until Thu 20 Nov

€410

safe to spend until Mon 1 Dec

Your money stays your business.

Flowly works from what you tell it. No bank login, no data selling, no surprises.

  • No bank connection

    You type your balance. Flowly never asks for your bank login.

  • Nothing is shared

    Your numbers stay yours. No selling, no ads, no tracking.

  • Plans, not advice

    Flowly never moves money and doesn’t give regulated advice.

FAQ

Questions, answered.

No. You type the balance your banking app shows, whenever you like. Bills count as paid on their due date, and a quick check every few days keeps things accurate.

Late money never counts. Flowly flags the payment as late, keeps it out of safe to spend, and plans to your next payment that’s on time, up to 30 days ahead. Once it lands, you log it and your number updates.

Each time you log a payment, Flowly sets a share aside, 20% unless you change it, and plans for your HMRC payments on account. That money stays out of safe to spend, so it’s there in January and July.

Not always. The tax step is optional, so you can skip it if your tax is already handled. Flowly will then hold nothing back, and you can turn the reserve on later from settings.

Flowly is in early access. Join the waitlist and we’ll email you once, when your spot is ready.

Know what you can spend today.

Join the waitlist for early access. We’ll email you once, when it’s ready. No spam.

Coin mascot sitting on a stack of coins, ticking off a calendar