Steady pay from uneven income.

Every time a client pays you, CalmPay splits it into pails: tax, a buffer for slow months, and your own pay. You always know what is safe to spend.

Works on phone and desktop · Install it like an app · Your data never leaves your device
Your pay this month$1,980.00from $3,300 earned · 3 payments
Tax$825
Buffer$495
Pay$1,980
Buffer runway 2.4 months
Example numbers

Built for freelancers, contractors and anyone paid in lumps.

Virtual assistants, designers, developers, writers, tutors, creators. When the money arrives at random, a plan made for a monthly salary does not fit.

Pick your split

Choose how much goes to tax, buffer and pay. For example 25 / 15 / 60.

Log each payment

Type the amount when a client pays. Three seconds, any currency.

Move the money

CalmPay shows exactly how much belongs in each pail, so moving it is easy.

🪣

Automatic pails

Each payment is split into tax, buffer and pay the moment you log it.

🛟

Buffer runway

See how many slow months your buffer can cover at your real cost of living.

🧾

Invoice maker

Clean invoices you can save as PDF in seconds. Free to use.

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Private by design

No account, no bank login, no tracking. Everything is stored on your device.

📴

Works offline

Add it to your home screen and it opens even without internet.

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Any currency

USD, EUR, GBP, PHP, INR, MXN and many more.

A quick example

A client pays you $1,200. With a 25 / 15 / 60 split:

Tax$300
Buffer$180
Your pay$720

Pick percentages that fit your situation. Tax rules differ by country, so check with a local tax adviser.

Free to start. Pro if you want more.

The free version is not a trial. Use it as long as you like.

Free

$0
  • 3 pails: tax, buffer, pay
  • Unlimited payments
  • Buffer runway
  • Invoice maker (with a small CalmPay footer)
  • Backup and restore
Open the app
ONE-TIME

Pro

US$19
  • Tax tracker: set aside vs paid, with deadlines
  • Income & tax report for your accountant (PDF)
  • Calendar reminders for tax and invoice due dates
  • Password-protected (encrypted) backups
  • Up to 8 pails (savings, retirement, gear…)
  • Steady paycheck planner
  • 12-month chart and yearly report by client
  • CSV export for your accountant
  • Invoices with your logo, no footer, saved clients
  • One tap: invoice paid → logged and split
Get Pro

Questions

Does CalmPay connect to my bank?

No. You type each payment yourself. That keeps your bank details completely out of it and makes it work in any country.

Where is my data stored?

Only in your browser, on your device. We never receive it. Use the backup button to save a copy or move it to another device.

How do I install it on my phone?

Open the app, then use "Add to Home Screen" (iPhone: Share menu in Safari; Android: the browser menu). It then opens full screen, like any other app.

Is Pro a subscription?

No. Pro is a one-time payment. You get a key that unlocks Pro on your devices.

Can CalmPay tell me how much tax I owe?

No. It sets aside the percentage you choose. It is a budgeting tool, not tax advice.