Saldy
Saldy is a browser-based accounting and invoicing app for freelancers, self-employed professionals and small businesses in Germany. It supports quotes, invoices and structured e-invoices in XRechnung and ZUGFeRD formats, with sequential numbering and an audit journal. Users can record expenses and receipts, import bank statements from CSV, retrieve PayPal transactions, track time, keep cash records and monitor overdue invoices. Saldy calculates VAT advance returns and cash-basis income statements (EÜR); it prepares an ELSTER file for the VAT return but does not submit tax returns or replace tax advice. DATEV-format exports support tax advisers. Other tools include recurring invoices, payment reminders, reporting and shared team access for up to three users, depending on plan. Its free plan limits use to five invoices a month; paid plans include unlimited invoices and additional features.
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BrassWell
BrassWell is a web and mobile finance app for U.S. freelancers and self-employed workers. It combines income and expense tracking with tools for irregular cash flow and estimated taxes. Users can manually record transactions, import CSV files, scan receipts for AI data extraction, or connect a bank account. Tax estimates use 2026 federal brackets, self-employment and income taxes, the user's state rate and W-2 wages to calculate a set-aside and suggested quarterly payment, with email reminders before due dates. BrassWell offers invoices with payment links, savings goals, budgets and a financial-planning tool. Pro adds unlimited invoicing, time tracking, mileage logs, receipt storage, bank connections and quarterly P&L and tax statements. Users can export data and secure the app with Face ID or a PIN. Available in a browser and through iPhone, iPad and Android apps, BrassWell helps self-employed people monitor business finances; its tax estimates are not tax advice.
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RunwayCal
RunwayCal is a connected financial planning operating system for growing businesses. It brings cash, commitments, revenue, teams, budgets, deals and scenarios into one financial picture, helping business owners and finance teams understand what’s happening, what’s coming and how decisions could change the business. RunwayCal supports cash and runway visibility, revenue modeling, commitment and expense planning, team and payroll planning, budgeting, scenario planning, deals and expected revenue tracking, multi-location financial planning, financial statements and exports. It is built for business owners and founders, finance teams and CFOs, fractional CFOs, bookkeepers and operators across SaaS, agencies and consulting, healthcare, retail, manufacturing, food & beverage and logistics. Turn your financial reality into better business decisions.
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Monavio
Monavio is a browser-based personal finance app for individuals who want to organize spending and monitor their financial picture without linking bank accounts. Users upload bank, credit-card, or investment statements in PDF, CSV, or Excel formats, or forward them by email; Monavio extracts and categorizes transactions. Features include spending analytics, category budgets, recurring-charge detection, investment tracking, net-worth monitoring, and financial-independence planning with adjustable assumptions and Monte Carlo projections. Users can manage multiple accounts and currencies and review their finances together in one place. The web app serves individuals who budget, track investments, or plan long-term financial goals.
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