Get paid. The tax is already gone.

Every invoice that lands is split into tax, savings and spend before you can touch it. What’s left is actually yours.

Open an account See how it splits

4.9 average from 2,318 freelancers

An illustrator smiling at her laptop in a sunlit studio

Invoice paid

Just now

$3,400.00

Harbor & Pine

INV-0142

Split on arrival

3 pots

  • Tax 30%

    $1,020

  • Savings 15%

    $510

  • Spend 55%

    $1,870

Tax set aside $1,020

Freelancers on Stash get paid by teams at

  • Harbor & Pine
  • Northwind
  • marrow
  • Fjordline
  • Halden
  • Kestrel & Co

3 pots, 1 rule

The split happens before you see the balance

Set your percentages once. Stash applies them to every payment, from every client, into every account you connect.

  1. Step 1

    +$2,150.00

    Northwind · INV-0139

    A client pays an invoice

    Put your Stash details on invoices, or connect the account clients already pay into.

  2. Step 2

    $645.00

    30% moved to Tax

    Stash splits it on arrival

    Your rule runs in under a second: a share to tax, a share to savings, the rest to spend.

  3. Step 3

    $1,182.50

    Safe to spend

    You spend what’s actually yours

    Your card and transfers only draw from Spend, so the tax money is never in reach.

A notebook of handwritten income figures beside a coffee on a sunlit desk

2026 federal return

Due Apr 15, 2027

Estimated bill
$8,940.00
In your Tax pot
$9,215.60

Covered, with $275.60 to spare

April stops being a surprise

Stash tracks what you’ve earned this tax year and tells you, in dollars, whether your Tax pot will cover the bill.

Quarterly estimates, handled
Two weeks before Apr 15, Jun 15, Sep 15 and Jan 15, Stash shows the amount due and moves it somewhere you won’t spend it.
A rate that follows your income
Cross into a higher federal bracket mid-year and your Tax pot percentage adjusts, with a note that explains why.
An export your accountant will like
Every split is logged against the invoice it came from and matched to each client’s 1099-NEC.
How we estimate your bill

Pots that run themselves

Rules, reminders and round-ups that keep each pot honest without a spreadsheet.

Across 4 pots

$14,862.40

  • Tax

    $6,120.00

  • Savings

    $3,405.10

  • Spend

    $4,537.30

  • State

    $800.00

Every pot, live

Balances move the second money does, with the invoice behind every cent.

Northwind retainer

25%

Harbor & Pine

30%

Rules per client

Retainers at one rate, one-off projects at another.

$800.00

Held for your Sep 15 payment

A State pot, kept apart

Your state’s share of every invoice, held for the quarter.

Q3 estimated tax due Sep 15

$2,310 ready

Reminders with the number in

The date, the amount, and whether it’s covered.

+$2.15

This week, from 6 purchases

Round-ups into savings

Card spends round up to the dollar; the change goes to Savings.

2026 tax year

See your split before the next invoice

Type what a client owes you and pick your bracket. The pots fill the way they would the moment it’s paid.

Illustrative only. Each rate covers 15.3% self-employment tax plus federal and state income tax; yours depends on deductions and where you live.

$

Safe to spend

$1,972.00

  • Tax 27%

    $918.00

  • Savings 15%

    $510.00

  • Spend 58%

    $1,972.00

Freelancers who stopped dreading April

Designers, developers and writers on what changed once the tax money moved itself.

  • $11,240

    set aside in year one, without a single manual transfer

    I used to move tax money when I remembered. Now it’s gone before I see the notification. My first April with Stash was boring, in the best way.

    Sam Okafor

    Brand designer, Denver

  • Two retainers and a dozen small jobs. Stash applies the right rule to each and I haven’t opened my tax spreadsheet since March.

    Robin Hale

    Freelance developer, Raleigh

  • My accountant asked what had changed. I sent the export and the questions stopped.

    Alex Moreau

    Copywriter, Pittsburgh

  • Quarterly estimates used to wipe out my June. This year the reminder arrived with the money already sitting there.

    Jordan Ellis

    Motion designer, Tucson

  • Seeing ‘safe to spend’ instead of a balance changed how I price work. I finally know what a project pays me.

    Charlie Nakamura

    UX consultant, Boise

Questions freelancers ask first

Still unsure about something? A real person replies within one business day.

Email the team
Is my money protected?

Stash is not a bank. Banking services come from an FDIC-member partner bank, and eligible balances are insured up to $250,000.

Can I take money out of the Tax pot?

Yes, any time, with one extra confirmation. We just make sure it never happens by accident.

What percentage should I set aside?

Most freelancers in the 12% or 22% bracket set aside 27 to 33 percent: 15.3% self-employment tax plus federal and state income tax. Change the rule whenever you like.

Does it work if clients pay my old account?

Connect that account and Stash sweeps each share across within minutes of a payment landing. Nothing changes for your clients.

Do I need a State pot?

No. The State pot stays off until you switch it on, and you can skip it if your state has no income tax.

What does it cost?

The Solo plan is $7 a month after a 30-day free trial. No transfer fees and no minimum balance.

Your next invoice could arrive already split

Open an account in about four minutes, add your details to one invoice, and watch the pots fill when it’s paid.

Open an account Talk to the team

Free for 30 days. Cancel from the app.

Your next invoice

$2,600.00

  • Tax

    $780.00

  • Savings

    $390.00

  • Spend

    $1,430.00