Built for irregular income

Budgeting & taxes,
solved together.

Your income varies, but your tax bill shouldn’t be a surprise. ChillTax budgets your cash, saves for taxes, and kills the 8-hour Sunday spreadsheets.

No credit card required · $49/year after trial

Overview
Cleared to Spend
$3,176
65% of income safe
On Track
Q2 Tax Estimate
$1,840
Due Jun 15 · Saved
This Month
$6,200
+18% vs last month
No surprise IRS bills 8 hrs of bookkeeping → 30 min Freelancers, designers, devs, writers No bank credentials required Less than $1 a week Export to FreeTaxUSA, TurboTax, or your CPA 14-day free trial · No card needed No surprise IRS bills 8 hrs of bookkeeping → 30 min Freelancers, designers, devs, writers No bank credentials required Less than $1 a week Export to FreeTaxUSA, TurboTax, or your CPA 14-day free trial · No card needed
The Problem

Two problems. One app.

Traditional budget apps break when income fluctuates.
Traditional tax apps ignore your day-to-day spending.
We fix both.

The Tax Nightmare

  • Surprise IRS bills every April
  • Manual receipt sorting on Sundays
  • Paying $129+ for TurboTax just to prep
  • Missing quarterly deadlines & paying penalties

The Cash Flow Mystery

  • Big months vs. painfully slow ones
  • Afraid to spend your "extra" money
  • Bank balance lies because taxes are hiding in it
  • "Where did it all go?" every single month
Simple Setup

Up and running in 5 minutes.

Connect once. Let AI handle the rest. Check your dashboard anytime.

1

Connect or import

Link your accounts via Plaid for automatic sync, or simply upload a CSV from your bank whenever you want. No credentials required if you prefer it that way.

2

AI does the sorting

Our engine instantly tags every transaction as personal or business and pre-sorts deductions into IRS Schedule C buckets automatically.

3

Know what's actually yours

See your real "Cleared to Spend" balance, receive quarterly tax alerts before deadlines, and stop guessing whether you can afford that purchase.

Features

Everything in one place.

True "Cleared to Spend"

Your bank balance lies. We subtract upcoming bills, quarterly tax estimates, and your safety buffer so you see exactly what is cleared to spend today without panicking tomorrow.

Bank Balance$5,860
Q1 Taxes (Held)−$1,800
Upcoming Rent−$2,400
Cleared to Spend$1,660

AI Auto-Categorization

Connect your bank once. Our AI instantly tags expenses and pre-sorts them into buckets.

A
Adobe CC
Software ✓
S
Starbucks
Personal

No More Penalties

We calculate quarterly payments automatically and send alerts so you never miss a deadline.

Q3 Payment Safe ✓

$0 in IRS penalties for you!

12-Month Forecasting

Map out your best and worst-case scenarios so you're never caught off guard.

Export Anywhere

Export directly to FreeTaxUSA, TurboTax, or a clean PDF for your CPA with one click.

FreeTaxUSA TurboTax
CPA PDF Report Schedule C CSV
Download Schedule C
Available On

Your desk. Your pocket.

ChillTax syncs between our iOS app and web app. Upload on the go, forecast at your desk.

iOS App

Upload CSVs on the go, check your spending dashboard, and get push notifications before every tax deadline.

  • CSV upload anywhere
  • Push alerts for quarterly deadlines
  • Full spending dashboard
Request iOS Early Access

Web App

Get the power of ChillTax at your desk with 12-month forecasting, detailed reports, and one-click exports.

  • 12-month income forecasting
  • Detailed Schedule C reports
  • Export to FreeTaxUSA & TurboTax
Request Web Early Access
0hrs 0min
Average bookkeeping
time reduction
$0/yr
vs. $129+ for TurboTax. File free with FreeTaxUSA.
0x
Quarterly IRS deadlines managed automatically
What Freelancers Say

Real humans, real results.

Built for independent workers, tested by people who’ve felt the quarterly tax panic firsthand.

★★★★★
"I used to dread April like a dentist appointment. ChillTax just handles it. I set it up once and now I get a notification when it's time to pay. My accountant was genuinely impressed."
M
Marcus T.
Freelance Graphic Designer
★★★★★
"The 'Cleared to Spend' feature changed everything. My bank balance said $8,000, but $3k of that was earmarked for taxes I didn't even realize. Saved me from a very bad decision."
S
Sarah K.
Independent Web Developer
★★★★★
"I was paying $150/year for software that made me do all the work. ChillTax is $49, does 10× more, and tells me to file free on FreeTaxUSA. Embarrassingly good value."
J
James R.
Freelance Copywriter
Your Data, Your Control

No credentials.
No risk.

ChillTax gives you all the tax tracking power you need without the risk of handing over bank passwords.

"Simply upload transaction CSVs whenever you want to update your forecast. If it exports a CSV, it works."
No stored credentials
Import what you choose
Works with any bank
Download, upload, done

Bank-Level Security

Read-Only AccessWe analyze transactions for tax purposes but can never move your money.
AES-256 EncryptionProtected by the same encryption standard used by major banks.
Plaid IntegrationThe same highly secure connection trusted by Venmo and Betterment.
100% OptionalDisconnect your bank or skip the connection completely using manual CSVs.
Pricing

Ditch the $150 tax software.

ChillTax preps everything you need. Then you file for free with FreeTaxUSA. Simple.

Hobbyist

$0

For side-hustlers starting out. No card needed, ever.

  • 500 transactions/year
  • Manual categorization
  • Basic tax estimates
  • Basic CSV export
  • Auto bank sync
  • AI categorization
  • iOS app access
Start Free (No Card)
Most Popular ⭐

Freelancer Pro

$49/yr

Everything you need to never stress about taxes again.

  • Unlimited auto-sync
  • AI expense sorting
  • "Cleared to Spend"
  • Quarterly tax tracking
  • 12-month forecasting
  • iOS & Web app
  • Export to CPA / CSV
Start 14-Day Free Trial

Less than $1/week · Cancel anytime

FAQ

Good questions.

Everything you were going to Google anyway.

Yes. If you receive 1099s, run a sole proprietorship, drive for DoorDash, sell on Etsy, or do any gig work, ChillTax is built for you.
No. ChillTax organizes your deductions and calculates your quarterly estimates. You then file for free at FreeTaxUSA using our clean export file.
You have two options. Use Plaid for automatic sync, or export a CSV from your bank and upload it manually. We never store bank credentials.
Yes! While we refine the product, early access users get to use ChillTax completely free. All we ask in return is your honest feedback.
We are rolling out access in small batches to ensure our servers stay fast and our app stays bug-free. Request your spot, and we'll email you as soon as you're in.
Yes. Just export a CSV from your bank and upload it. No credentials stored, no third-party connections required.
Beta Spots Limited

Stop winging it
on taxes.

Join freelancers who know exactly what they can spend, what they owe, and when to pay it.

Request Early Access

Request Early Access

Be the first to experience freelance taxes that don't actually suck. Spots are limited.

🎉 You're on the list!

Keep an eye on your inbox. We'll reach out as soon as a spot opens up.