ForgeFinancials

Freelance income doesn't arrive in neat monthly installments. Budgeting apps built for salaried employees don't understand how you actually get paid — and accounting software built for businesses with employees is overkill for a one-person operation. ForgeFinancials is a finance management app built specifically for solo freelancers and one-person businesses. It understands irregular income, tracks your bills against every paycheck, keeps your business and personal finances separate, and gives you an honest picture of where you stand. KNOW EXACTLY WHERE YOU STAND Simple Mode shows you every bill, every paycheck, and exactly what's left over — per pay period. Track bills against your income with a visual breakdown, see your leftover trend over time, and get alerted when things are tight before they become a problem. BUILT FOR IRREGULAR INCOME Whether you're on a regular pay schedule or your income arrives unpredictably, ForgeFinancials adapts. Manual paycheck mode lets you log income as it arrives. Smart projections analyze your history to estimate what's coming next — with a confidence rating based on your actual patterns. NEVER BE SURPRISED BY TAXES AGAIN Set aside a configurable tax reserve percentage automatically. Track IRS-standard business expense categories throughout the year. Get a year-end expense summary formatted to hand off to your accountant. Quarterly tax reminders keep estimated payments on your radar. KEEP BUSINESS AND PERSONAL SEPARATE Tag every transaction as business or personal. Business expenses feed your tax calculations and profit picture. Personal transactions stay in their lane. No more end-of-year guesswork about which expenses are deductible. SAVINGS GOALS THAT WORK WITH YOUR INCOME Create savings goals with custom names, targets, and progress tracking. Leftover income allocates toward your active goals automatically — so saving doesn't require willpower, just a paycheck. CASH FLOW CALENDAR See exactly which days of the month are tight before they arrive. Pay dates and bill due dates mapped together give you a realistic view of your near-term financial picture. PART OF THE FORGE SUITE ForgeFinancials is one of four apps built for solo freelancers by Wanderlust Innovations. When you mark an invoice as paid in ForgeBilling, the income appears here automatically — no double entry. Pair it with ForgeProject for project management and ForgeCRM for client relationships. ForgeFinancials is a one-time purchase. **No subscription!** Your data lives in iCloud — private, yours, and always in sync across your Apple devices.