Wavely Budget: Money Planner

Wavely helps freelancers, creators, contractors, and independent earners plan around income that changes from month to month. Instead of forcing variable income into a fixed monthly budget, Wavely answers the question that matters now: how much can you safely spend today? SAFE TO SPEND, EXPLAINED See one clear amount based on the cash you have, upcoming income, bills, estimated taxes, fees, and protected reserves. Open the explanation whenever you want to understand what changed. PLAN AHEAD • Forecast cash flow 14, 30, 60, or 90 days ahead • Switch between cautious, balanced, and optimistic assumptions • Spot a possible shortfall before its due date • Test one or several what-if scenarios before applying them TRACK VARIABLE INCOME • Add one-time and repeating income • Track expected, overdue, and received payments • Record actual amounts, fees, and estimated tax reserves • Keep accounts, transfers, bills, and reserves together STAY IN CONTROL • Search and filter a complete activity history • Export your data as CSV or JSON • Protect the app with the device lock • Schedule private, on-device reminders • Use light or dark appearance in 14 supported languages PRIVATE BY DEFAULT The current version works without an account. Your financial planning data stays in the app’s local database on your device. Wavely does not use ads or tracking. Wavely is a planning tool, not financial, tax, legal, or accounting advice. Forecasts and tax reserves are estimates based on information and assumptions you provide.