IncomePilot is the friendly AI co-pilot that learns your income rhythm, smooths out the bumps, and quietly keeps your money on track — so you can focus on the work you love.
Heads up: Two recurring clients tend to pay 9 days late in December. Holding $640 buffer through Jan 8.
of variable-income earners report monthly money stress. Members report it drops to 11% after 60 days.
average annual surplus members save by following adaptive buffers — instead of spending peaks.
forecasting accuracy on next-30-day cash flow, across 1.4M anonymized freelancer transactions.
Drag the sliders. This is the same engine that runs on your real transactions — here it's simulating a year of variable income so you can feel the difference.
Keeps a 6-week buffer, invests the rest steadily.
Worst month simulated: $4,737. Adaptive budget stays below that floor — you never overspend a bad month.
Our model studies your client cadence, seasonal patterns, and late-pay tendencies — then tells you what you'll actually take home, weeks before you do.
When a $6,000 invoice slips a week, every category quietly re-balances. No spreadsheets, no panic, no canceled plans.
IncomePilot skims the right percentage off every deposit into a separate vault. Quarterly estimates show up pre-calculated.
After expenses, taxes, slow weeks, and unpaid admin — see what each project actually pays. Stop underbidding the work you hate.
On a $14k month, IncomePilot routes the surplus into your smoothing reserve — so a $3k month feels like a $7k one.
Short, plain-language nudges before you overspend. No condescending pie charts, no shame, no $200/hr financial planner.
Link bank accounts, Stripe, PayPal, and any client platforms. Read-only, encrypted, never sold.
It learns your client cycle, your spending rhythm, and which deposits are reliable vs lumpy.
Every deposit, refund, or late invoice triggers a quiet recalculation — no manual upkeep, ever.
"I've used every budgeting app on the App Store. They all assumed I get paid the same amount on the same day. IncomePilot is the first one that didn't gaslight me into thinking my income was 'wrong'."
"The tax vault alone paid for the subscription 40x over. I used to scramble every April. Now I just transfer what the app already saved. My CPA actually asked which tool I was using."
"It told me my December would be down 28% — three weeks before December. I rerouted a marketing push and ended the year flat instead of underwater. I have never gotten that from a spreadsheet."
Everything you need to stop the panic. Cancel anytime.
No credit card required
Forecast further, automate more, and pay less than $9/month.
No credit card required
14 days free. Connect in 4 minutes. Cancel in two clicks if it doesn't earn its keep.