Smooths irregular freelance income with predictive payouts and reserves.
Freelancers and gig workers struggle with business banking that demands high minimum balances and lacks essential features like instant payouts for irregular income.
FluxEarn forecasts cashflow from invoices/platforms, auto-reserves for taxes/bills, and schedules even weekly payouts. Eliminates banking volatility for $2K-15K/month gigs without high mins. Integrates Stripe for compliant, instant adjustments.
Freelancers and gig workers with irregular income streams billing $2K-15K/month
Predictive 'even pay' model turns lumpy income into steady streams automatically.
professional
ML-based forecast from past invoices/transactions.
Weekly smoothed payouts from pooled earnings.
Sets aside for taxes/bills based on locale.
Upload/track client invoices for predictions.
Visual pots for taxes, bills, savings.
Adjust payout frequency/cadence.
Auto-pull from Freshbooks/Quickbooks.
Monthly accuracy and savings reports.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| tax_rate | int | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| due_date | timestamp | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| type | text | No |
| amount | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| next_payout | timestamp | No |
| amount | int | No |
Relationships:
/api/forecastsGet cashflow prediction
/api/invoicesAdd/track invoice
/api/payouts/scheduleTrigger even payout
/api/reservesUpdate reserve pots
10 invoices/month
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 4% | $168 | $2,016 |
| Month 6 | 900 | 7% | $2,205 | $26,460 |
Predict, reserve, payout evenly—no more banking stress for freelancers.
Target Upwork/Fiverr top reviewers via outreach (find via search), offer free Pro for testimonial. Post MVP waitlist in r/forhire. Network at freelance meetups/Discord for pilots.
International
No predictions or smoothing
Predictive even payouts
Cards
Startup not gig focus
Irregular income specialization
Historical invoice data network for hyper-accurate gig forecasts.
AI advancements enable precise predictions; gig platforms' API maturity in 2024.
ML model training data
Seed with synthetic + user data
Preference for lump sums
Opt-in + education
Success: 100 signups
Success: 20% uplift in retention
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