For independent contractors & 1099 workers
Finance App for Independent Contractors
Contractor income doesn't show up in even paychecks — it shows up as invoices that get approved, then paid, on someone else's schedule. Finviro tracks every project payment from pending to cleared, keeps business spending separate from personal spending, and tells you what you can safely spend right now, not just what your account balance says.
The problems contractors actually have
Invoiced ≠ paid
An approved invoice isn't cash yet. Spending against money that hasn't cleared is how contractors end up short.
Feast-or-famine project cycles
One quarter you're fully booked, the next you're between contracts. A budget built for a steady salary doesn't survive that swing.
Business and personal money blur together
Without a dedicated business account, it's easy to lose track of what's actually yours to spend versus what needs to be set aside.
Clients in different currencies
Getting paid in USD, GBP, or EUR while spending in your home currency adds a layer of tracking most budgeting apps don't handle well.
How Finviro fits contractor income
Pending vs. cleared invoices
Log each payment with its expected date so you always know what's promised versus what's already landed.
Categorized project expenses
Keep project costs and personal spending clearly tagged and separated, even in one account.
A real safe-to-spend number
See what's actually available after upcoming bills and money you've chosen to set aside — not just a raw balance.
Multi-currency accounts
Track every client account in its own currency and see one combined picture of your finances.
Frequently asked questions
What's the best way for an independent contractor to track finances?
Track every invoice separately from your personal spending, note when each payment is expected versus when it actually clears, and set aside a portion of every payout before you count it as spendable. Finviro is built around exactly this workflow — pending vs. cleared income, categorized expenses, and a safe-to-spend number that already accounts for money you've set aside.
How do I keep my business and personal expenses separate without a business bank account?
You don't need a separate bank account to keep the numbers separate. In Finviro, tag transactions by category and account so contractor income and project expenses stay distinct from personal spending, even if it all runs through the same bank account.
How do contractors budget when project income is unpredictable?
Build your budget around your slowest realistic month rather than your best one. Finviro tracks your income history so you can see your real baseline, then treats anything above that baseline as surplus you can save or set aside instead of spending immediately.
Can Finviro handle payments in different currencies for international clients?
Yes. If you invoice clients in USD, GBP, EUR, or other currencies, Finviro tracks each account separately and gives you one combined view of your real financial position.