Your bank balance
is lying to you.
You probably think you have more money than you actually do — especially after taxes.
Most freelancers only realize it when it's too late.
Takes 10 seconds
"Most freelancers never see this number."
Why freelancers keep making bad money decisions
You think you have more money than you actually do
You don't set aside money for taxes consistently
You rely on your bank balance to make decisions
You get surprised by expenses every month
See what's actually yours — not what your bank shows
Automated Reserves
Instantly set aside the exact percentage for VAT, Income Tax, and Social Security based on your specific region.
Runway Forecasting
Know exactly how many months you can survive without a new client based on your "Real Money" and recurring costs.
Spend Authorization
Ask Stoic Ledger: "Can I buy this?" and get a simple Yes/No based on your true financial health.
How it works
From chaos to stoic calm in three simple steps.
Connect
Securely link your business bank accounts via Open Banking. We support 2,500+ EU banks.
Estimate
Input your tax brackets and recurring monthly costs once. We do the rest automatically.
See Spend
Open the app any time to see your Real Money balance. No mental gymnastics required.
See what's actually yours — not what your bank shows
The tools you need to run a business, not just a job.
Avoid unexpected tax problems
Never fear the tax man again. Your money is already waiting in its digital vault.
Know exactly what you can spend
See the real profit margin of every project and client you work with.
Reduce financial stress
Eliminate the 3 AM financial anxiety by having a single source of truth.
Make confident decisions every week
Confidently invest in tools and outsourcing when the Ledger says "Available".
Stop guessing your money
Join the early access list and get 6 months of architectural stability for free.