For freelancers, a strong savings plan is not a luxury—it's the foundation of financial stability. Moneko is designed for the reality of variable income, helping you build a robust emergency fund and save consistently, even when your income isn't.
Discover personalized financial tools and insights designed specifically for your saving journey.
Smart categories based on freelancers spending patterns and saving objectives.
Get intelligent recommendations to identify savings opportunities and optimize your financial strategy.
Specialized tracking tools designed specifically for saving with milestone celebrations.
Connect with other freelancers sharing similar financial goals and learn from their experiences.
Get answers to common questions about budgeting for freelancers.
Due to income volatility, freelancers should aim for a larger emergency fund than traditional employees—ideally 6 to 12 months of essential living expenses.
Pay yourself a fixed 'salary' each month into your personal account from your business account. On high-income months, the surplus stays in the business account to cover your salary during lower-income months. Also, save a fixed percentage of every single invoice.
Discover personalized financial guidance for different goals and life stages.
Join thousands of freelancers who are already achieving their saving goals with Moneko's AI-powered platform.