Now accepting beta testers

Built for income that
changes every month.

Budgeting, tax prep, debt payoff, and mileage tracking for people whose paychecks don’t come on schedule. One app for the whole household — even when every month looks different.

Free beta. No credit card. No bank connection required.
Floater Finance dashboard showing household view with account balances, income, spending, net cash flow, and total debt
What you’re getting

The framework that keeps your household perfectly afloat.

Live tax worksheet
Your estimated taxes update every time you log something. Self-employment tax, quarterly estimates, all 50 states. Not once in April — all year long.
Mileage tracker
Log each trip with the client it served. Your deduction appears the moment you save it, at the current IRS rate, in a format your tax preparer can use.
Smart import
Copy your bank statement, paste it in. We categorize it. Build a rule once and it auto-sorts that merchant forever — even at 400 transactions a month.
Debt planner
Snowball or avalanche, your call. Your debt-free date updates automatically with every payment. Synced to your budget and bill calendar.
Household + Business
Personal spending and deductible business expenses, organized in one place. Switch views, never lose track of either.
Quick View for your partner
A simplified, read-only screen for your spouse — what’s safe to spend right now, without them needing to learn the whole app.
Who this is for

If your income changes month to month — this is yours.

Gig workers
DoorDash, Uber, Instacart, Amazon Flex — high volume, variable income, real deductions to track.
Freelancers
Multiple clients, per-project income, business expenses that blur with personal spending.
Contractors + trades
Job-to-job income with real mileage, real tools, and real write-offs that matter at tax time.
Salary + side hustle
One steady paycheck, one unpredictable income stream, and a tax situation nobody built a tool for.
Commission sales
Real estate, insurance, mortgage — income that swings with the market and can’t wait for quarterly prep.
A tax preparer handed his wife a paper worksheet to track their year. No app understood how that household earned. So we built one.
— The origin of Floater Finance, 2025

Get in before everyone else does.

Beta access is free. You’ll be the first to use this before it launches publicly. We want real feedback from real households.

No credit card. No commitment. Just early access.