Freeboard IT · Italiano Try the demo

One month, anywhere you are.

Alex is invented: a digital nomad with a small SaaS, Upwork clients and affiliate links, between Lisbon and Chiang Mai. Everything below is the real app with Alex’s example data.

Screens: the live demo on 20 October, day 20 of Alex’s month. The cards follow the accounts day by day.

Totals in euros: dollars and baht at the ECB reference rate, an estimate, not your bank’s rate.

  • Full: counts in full
  • Veiled: counts half
  • Drops: uncertain
  • Empty bed: one-off

Day 1Lisbon

  1. Accounts13,246 €

How much can I spend today?

One number before coffee: what Alex can spend today without going below zero in the next twelve months.

Next to it, the month as a map: income runs into the accounts, and one line leaves for each kind of spending. A full line counts in full; a veiled one counts half.

How it’s worked out (the demo on 20 October)
Lowest point in the next 12 months, end of December
14,106 €
Locked goals (visa and move)
−1,200 €
Emergency fund
−11,456 €
You can spend today
1,450 €

Certain income counts in full, half-certain counts half, uncertain doesn’t count. It’s an estimate, not a guarantee: it moves when income, expenses or reserves change.

The month’s lines in the Overview on a laptop: SaaS subscribers, Upwork, on-demand consulting and affiliates run into Accounts, 14,167 € today; five spending lines leave on the right.
The month’s lines in the Overview on a phone: SaaS subscribers, Upwork, on-demand consulting and affiliates arriving at Accounts, 14,167 € today, then the spending lines leaving.

Day 3Stripe pays the subscribers

  1. Accounts14,120 €
  2. SaaS subscriberscounts in full+1,816 €

Does passive income cover my life?

Passive income keeps coming while you sleep. Freeboard keeps it apart from billed work and shows how much of your spending it covers: for Alex, 82% of October’s spending and 85% of the next three months’.

Passive income is mint and teal, billed work sky and blue: you see the source before the name.

Business on a laptop: passive income covers 82% of October’s expenses, the last Upwork payout, and the passive income card: 2,110 € a month, covering 85% of the expenses of the next three months.
Business on a phone: passive income covers 82% of October’s expenses; the passive income card, 2,110 € a month, covers 85% of the expenses of the next three months.

Day 9Upwork pays in dollars

  1. Accounts14,549 €
  2. Upworkcounts in full+658 €

When does the platform money arrive?

Upwork pays when it pays, in dollars, to Wise. Freeboard spots the payout, converts it and forecasts the next months from the last three.

Know a big project is coming? Write what you expect month by month; empty months stay automatic.

Upwork forecast on a phone: twelve months with expected amounts, the current month showing what is still to come.

Day 12Chiang Mai

  1. Accounts14,340 €

Where did it all go, in three currencies?

Grab rides and khao soi in baht, software in dollars, rent in euros: every day of the month, income above the line and spending below.

A merchant without an item? Sort it once, with a tap or a drag: it becomes a rule for that merchant, abroad too. A transaction that’s different gets an item of its own.

Transactions for September: a bar for each day, income above and spending below, then the list.
Sort mode: Amazon, three transactions, with the suggested items to assign them to.

Day 15Avios expire next month

  1. Accounts14,522 €
  2. Affiliatescounts half+260 €
  3. Avios, expiring in November≈ 462 €

Use the miles before they vanish.

38,500 Avios, about 462 € in flights, expire in November. Points and miles sit next to your money with their value and expiry, so you book in time.

They aren’t cash: they don’t count in your accounts or in what you can spend.

Points and miles on a phone: Avios 38,500 miles about 462 €, expiring in November; RevPoints, Marriott Bonvoy, card cashback.

Day 22Asking Claude

  1. Accounts14,078 €

Can I afford Bali in December?

Ask Claude or ChatGPT about your month or a trip: through the connector, the assistant reads the same numbers you see.

It asks before changing anything, and every change can be undone.

Example conversation, invented data

Can I afford two weeks in Bali in December, about 1,800 €?

Freeboard · overview, cash flow

December already carries the 2,600 € tax advance. Counting only certain income, your lowest point in the next twelve months is 14,106 €, at the end of December.

With Bali the lowest point would drop to 12,306 € at the end of December. You keep 11,456 € as an emergency fund and 1,200 € for the visa, so the trip would dip about 350 € into those reserves, and what you can spend today would go from 1,450 € to 0.

Shall I add Bali as a one-off December expense? You can undo it.

Yes, add it

Day 28Tax advance ahead

  1. Accounts14,597 €
  2. Tax advanceDecember, one-off−2,600 €

How much do I put aside?

December brings a 2,600 € tax advance. The Cash Flow shows the dip now, in October, not when it arrives.

Your tax share of business income can stay out of what you can spend, too. For this month the Cash Flow counts only what is still to come: +869 € until the end of October.

Cash Flow on a laptop: the months in a row, October +869 € from today, December −895 € because of the tax advance, then the income and expenses still to come this month.
Cash Flow on a phone: October +869 € from today to month end, November +1,705 €, December −895 € because of the tax advance.

Day 31Closing the month

  1. Accounts14,537 €
  2. Month’s net+1,221 €

Is the safety net there?

Six months of expenses set aside; a visa and the move to Lisbon on the way. Each goal is a line: solid for what you have saved, dashed up to the date. Freeboard tells you if you’re on pace.

Goals on a phone: emergency fund 11,456 € at plan pace; visa and move to Lisbon 4,000 €, 1,200 € set aside, behind.

AccountsOctober 31

How October ends: where the money went and what stayed

The days above are a selection; the totals cover all of Alex’s October.

Income+3,766 €

  1. SaaS subscribers+1,816 €
  2. Upwork+1,690 €
  3. Affiliates+260 €

Spending−2,545 €

  1. Travel & stays1,450 €
  2. Food & eating out620 €
  3. Work & software290 €
  4. Local transport110 €
  5. Health & insurance75 €
  1. Kept in accounts+1,221 €
  2. AccountsOctober 3114,537 €

Watch your own month flow.

Open the demo, change a number, see the months ahead move.

Try the live demo

Back to Freeboard

Start now, free for a year.

Early access is open: the first 100 people get their own dashboard, free for the first year. Leave your email, confirm it, and your dashboard is ready a minute later. Bank connections come later: for now you type your balances in.

Only to send you the link to your dashboard. No newsletter, no sharing. Privacy and removal