Best Budgeting Apps for Freelancers: Take Control of Your Solo Finances
Freelancing offers freedom—but it also means unpredictable income and chaotic taxes. If you’re a freelancer, side hustler, or gig worker, your finances need to be smart, simple, and strategic.
Here are the best budgeting apps for freelancers to help manage cash flow, plan expenses, and hit financial goals without a full-time paycheck.
1. You Need A Budget (YNAB)
YNAB is a fan favorite for freelancers because it teaches you to give every dollar a job—perfect for inconsistent paychecks.
- Syncs with all accounts
- Helps allocate income across categories
- Visual graphs for goals
- Educational content for better habits
📍 https://www.youneedabudget.com/
2. QuickBooks Self-Employed
Made for freelancers, contractors, and gig workers.
- Tracks expenses + income
- Connects to TurboTax for easier filing
- Mileage tracker for deductions
- Invoices + receipt capture
📍 https://quickbooks.intuit.com/self-employed/
3. PocketGuard
A simple but powerful app that shows exactly how much you can spend today without going broke.
- Links to accounts
- Categorizes expenses automatically
- Tracks bills and recurring payments
- Free version available
4. GoodBudget
If you love the envelope method, this one’s for you.
- Doesn’t auto-sync accounts—manual entry for more control
- Great for cash-based freelancers
- Share budget with partner or VA
- Helps with long-term planning
5. EveryDollar
Built on the zero-based budgeting method by Dave Ramsey.
- Simple UI
- Focuses on intention, not automation
- Free and premium versions
- Perfect for freelancers who want a hands-on plan
📍 https://www.ramseysolutions.com/ramseyplus/everydollar
💡Pro Tip: Automate your emergency fund
Use these apps in combination with a high-yield savings account from Ally, Capital One 360, or Discover to store 3–6 months of expenses. Freelancers don’t get severance—you are your own backup plan.
We write rarely, but only the best content.
