Ecomely

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Freelance budget

Freelance budgeting, with personal and business finally separate

Irregular income, contributions to plan for, invoices to chase: as a freelancer, your personal budget depends on your business. Ecomely gives you two separate spaces, linked just enough, plus the tools to invoice.

Free, no credit card, no commitment.

  • Personal and business kept apart
  • Quotes and invoices included
  • Free to get started
Zély in her workshop with a signed quote and a paid invoice

The essentials

  • 01

    Two spaces, zero mix-ups

    Your personal budget on one side, your business on the other, each with its own categories.

  • 02

    Invoicing included

    Quotes signed online, numbered invoices, reminders: the basics are free.

  • 03

    Irregular income

    See what's invoiced, paid and still to come, so you can smooth out your salary.

  • 04

    Expenses and contributions

    Software, equipment, insurance, contributions: all planned with how often they're due.

The real freelance challenge: income that fluctuates

€6,000 one month, €1,500 the next: freelance income is rarely steady, but your rent always is. The best strategy is to pay yourself a stable “salary” from your business and keep a reserve for slow months. But first you need to know how much your business can really pay you.

Ecomely keeps the two worlds apart: your business space tracks what you invoice, what's been paid and your business expenses; your personal space tracks your everyday budget, funded by the salary you choose to pay yourself.

Quotes, invoices and reminders in one place

Clients & Invoices is built into Ecomely: create a quote, your client signs it online, and it becomes an invoice in one click with compliant numbering. Overdue invoices are flagged, and reminders can go out automatically if you like. Your client can pay through your payment link.

The basic version is free (5 quotes and invoices per month); My Business unlocks unlimited use from €3.79 per month, with a 5-day trial.

Online signature

Your client signs the quote from their phone, no printing needed.

Automatic reminders

Late payments no longer depend on your memory.

Plan ahead for contributions and taxes

Social contributions and taxes are the classic nasty surprise for new freelancers. The smart habit: set aside a percentage of every payment in a dedicated Money Pot, and add filing deadlines to your Planner with a reminder. Ecomely lets you create that Money Pot and schedule those reminders in seconds.

Ecomely isn't accounting software and doesn't file your returns, but it helps make sure you're never caught off guard.

Your business expenses, tracked effortlessly

Software subscriptions, phone, equipment, coworking, professional insurance, vehicle: enter your business expenses once, with how often they recur. Receipts go into the Vault, linked to the expense and ready for your accountant.

Zély can log a business expense you dictate on your way out of a meeting, or file a supplier invoice that arrives by email.

Zély, the assistant who spares you the admin

With Zély, you can draft a quote in one sentence, or ask for a list of unpaid invoices or what you've been paid this quarter. She summarizes your client emails, drafts replies and reminds you of deadlines. You win back the time you used to spend on admin, and you can bill for it.

Finally separate your personal life and your business Free account, basic invoicing included, no credit card required.

Create my free account

Freelance budgeting: the 6-step method

These are the steps most experienced freelancers recommend for living calmly with irregular income.

  1. Separate your accounts

    One account (and one Ecomely space) for the business, another for personal. Nothing leaves the business unless it's a “salary” or an expense reimbursement.

  2. Set aside contributions as soon as you're paid

    A fixed percentage of every payment received goes into a dedicated Money Pot. You never touch that money.

  3. Pay yourself a fixed salary

    Work out a realistic average of what the business can pay you each month, and stick to that amount, even in good months.

  4. Build a reserve for slow months

    Three to six months of salary kept in the business: that's what lets you turn down a bad client.

  5. Invoice fast, follow up early

    An invoice sent the same day gets paid sooner. Follow up from the first day it's overdue, politely.

  6. Review every quarter

    Revenue, expenses, reserve, salary: adjust your fixed salary if the trend changes.

How it works

  1. 1

    Create your free account

    Then a space for your business.

  2. 2

    Add your clients and business expenses

    Just once, with how often they recur.

  3. 3

    Invoice from Ecomely

    Quotes signed online, invoices, reminders.

  4. 4

    Steer your salary

    What's been paid, what's coming in, what you can pay yourself.

Who is it for?

Developer or designer

Quotes per project, deposits, invoices and reminders, with no extra software.

Consultant

Recurring assignments invoiced monthly, with travel expenses tracked.

Tradesperson

Quotes signed on site, invoices and supplier tracking.

Content creator

Irregular platform income smoothed into a steady salary.

The Ecomely apps for this

See the plans

By trade

Frequently asked questions

How should I manage my budget as a freelancer?

Keep personal and business separate, set aside contributions from every payment, pay yourself a fixed salary and keep a reserve for slow months. Ecomely helps with two separate spaces, a contributions Money Pot and built-in invoicing.

Can I create invoices with Ecomely?

Yes: quotes signed online, numbered invoices, reminders and payment tracking. The basics are free (5 quotes and invoices per month), then My Business from €3.79 per month.

Is it accounting software?

No. Ecomely tracks your business and your budget, but it doesn't replace an accountant or tax filing software.

Can I keep my personal and business expenses separate?

Yes, with two distinct spaces, each with its own budget, categories and documents.

Do my clients need to create an account?

No. They get a link to view and sign the quote or pay the invoice, with no sign-up.

How much does it cost?

Budgeting and the basics of My Business are free. Unlimited invoicing starts at €3.79 per month, with a 5-day trial and no commitment.

Finally separate your personal life and your business

Free account, basic invoicing included, no credit card required.

Free, no credit card, no commitment.