You're doing everything right.
But without an exact number.
Separate accounts, tax reserves, all under control. And yet you still can't tell exactly what you can spend today.
Most freelancers only find out when the tax bill arrives.
Takes 10 seconds. No sign-up.
"Most freelancers never see this number."
The problem isn't discipline. It's information.
Your bank balance includes money that isn't yours — taxes you haven't paid yet
You set aside money for taxes, but never know if it's enough until the bill arrives
You make decisions on gut feeling, not on an exact number
Tax season always brings a surprise, even when you've been careful
One exact number. Always up to date. No mental gymnastics.
Automated Reserves
Stoic Ledger automatically splits VAT, Income Tax, and Social Security from every payment. What you see is genuinely yours.
Runway Forecasting
Know exactly how many months you can operate without a new client. Plan with data, not gut feeling.
Spend Authorization
Before any purchase, ask the Ledger. It tells you if you can afford it based on your real situation, not your gross balance.
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.
Financial clarity. Not feelings — numbers.
For freelancers who are already organised, but tired of guessing.
No tax surprises
Every tax euro is set aside the moment income arrives. When the bill comes, the money has been waiting for months.
A number you can trust
Not your bank balance. Your real money — after taxes, fixed costs, and safety buffer.
Zero financial anxiety
Eliminate the 3 AM doubt. One clear figure, always current, you can actually rely on.
Decisions with confidence
Buy that software, outsource that task. The Ledger tells you when you can — and when you can't.
Stop making decisions on gut feeling
Join the early access list and be the first to have your exact number always visible.