Pot 01 · Tax
30%
Hands off until tax day.
Locked away the moment you are paid, so the bill in April is already covered.
- Rate adjusts as your income does
- Quarterly estimate, ready to pay
- Earns interest while it waits
Money pots for freelancers
Paid.Split.Sorted.
A $4,800 payment from Studio Nord splits into $1,440 for tax, $960 for savings and $2,400 to spend.
Split in 0.4 seconds
+$4,800Studio Nord+$1,250Oak & Ivy Press+$12,000Harbour Hotels+$760Juniper Podcast+$3,400Field Notes Co.+$2,100Mono Type Club
One payment in. Three pots out.
Pick your split once. Every payment after that sorts itself, before you have a chance to spend the tax.
Spending gets the rest: 50%
of a $4,800 payment
- 1
It lands.
A client pays your invoice, or any transfer hits your Pennybright account.
- 2
It splits.
In under a second your percentages move into Tax, Savings and Spending.
- 3
You spend.
Spending is your real balance. The rest stays out of reach, on purpose.
Pot 02 · Savings
20%
4.1% on every dollar.
Your runway for slow months, a new laptop or three weeks off. It grows while you work.
- Interest paid monthly
- Withdraw any time, no penalty
- Goals with a finish line
Pot 03 · Spending
50%
Yours. Guilt-free.
What is left is really yours. Spend it on rent, lunch or a very nice chair.
- Linked debit card
- Pay yourself weekly, like a salary
- Round-ups drop into Savings
Savings pot rate
4.1%
AER, variable, paid monthly on everything in Savings. No minimum, no lock-in, no teaser rate that vanishes in month four.
$6,132in your pot after 12 months
$132of that is interest
Built for people who send invoices.
Invoices that split themselves
Send an invoice from the app. When it is paid, the split runs before you even see the money.
A tax rate that learns
Each quarter we compare your pot with what you earned and suggest a new percentage.
Paid in 25 currencies
Hold euros, pounds or dollars and split each one in its own currency.
Tax-day reminders
A nudge two weeks before every deadline, with the exact amount already waiting.
Round-ups to Savings
Every card purchase rounds up to the next dollar and drops the change into Savings.
One-tap accountant export
Every split, invoice and receipt in one CSV or PDF. Your accountant will send a card.
Three pots. One glance.
Open the app and see only what matters: what you can spend today, what tax is already covered, and how fast your savings grow.
Sample testimonial, replace before publishing
“First April in six years I didn't panic. The tax money was just… there.”
Two plans. No small print.
Free
$0
Everything you need to stop fearing tax day.
- Auto-split into three pots
- 4.1% on savings up to $10,000
- 5 invoices a month
- Debit card for Spending
- Quarterly tax reminders
Pro
$6/month
For freelancers with more than one kind of client.
- Everything in Free
- 4.1% with no balance cap
- Unlimited invoices and clients
- Different split per client
- Accountant export and 25 currencies
Cancel Pro in two taps. You keep your pots and drop back to Free.
Money questions, straight answers.
Where is my money actually held?
With a regulated partner bank, in accounts in your name, protected up to the legal limit. Pennybright never lends it out. (Sample copy: replace with your real banking partner's wording.)
How does it know how much tax to set aside?
You pick a starting percentage. After each quarter we compare it with what you earned and suggest a new one. You approve every change.
Can different clients have different splits?
On Pro, yes. A monthly retainer can save 30% while a one-off gig saves 10%.
Is 4.1% guaranteed?
It is variable, like any savings rate. We email you 30 days before any change, and the rate is the same on Free and Pro.
What happens on tax day?
We show the exact amount, you tap Pay, and the money leaves the Tax pot. Nothing else moves.
Can I cancel Pro?
Any time, in two taps. You drop back to Free and keep every pot and every cent.
Next payment? Already sorted.
