Sample figures · Thu, Feb 12
No payday? Every deposit works like one.
For money that lands when a job closes, an invoice clears or a gig pays out. Every deposit counts the same share toward your bills and the share you set for tax, whatever its size. It all stays in your account, and you see what the deposit adds to your spending money.
| Invoice 1042 landed | $890.00 |
|---|---|
| Committed · 49.3% of every deposit | −$438.77 |
| Tax · 25%, your number, not ours | −$222.50 |
| Set aside · 3.9% | −$34.71 |
| Adds to safe to spend | $194.02 |
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In development. US only. We'll email you about the beta and the launch. Privacy notice
Plan on a bad month, not an average.
Tell Nabbins what a bad month brings in. That's your floor, the amount you can count on even in a slow stretch. Bills take a share of every deposit, worked out from your floor, so even a floor month covers them.
Guess low. A floor that's too high is the one setting that can make your number wrong. Once your bank's connected, Nabbins checks your floor against what actually lands and tells you if it's off.
It's common. In the Federal Reserve's survey of 2025, 58% of self-employed adults said their income varied from month to month, against 28% of people who work for someone else.¹
¹ Board of Governors of the Federal Reserve System, Economic Well-Being of U.S. Households in 2025 (May 2026), Income and Expenses. Self-reported.
your floor, a bad month$2,773
Tax money stays out of safe to spend.
Clients don't usually hold back your tax. So you choose a share of every deposit to hold back, and Nabbins leaves it out of what's safe to spend until you pay. It's still in your account, and you can still spend it. Nabbins just doesn't count it as spending money.
Nabbins won't suggest a number. You set it: from last year's return, from your accountant, or as a guess. It asks which, and a guess stays marked as one until there's a tax payment or a return to set it beside.
tax, 25% of $890.00−$222.50
After a tax payment, the answer's in dollars.
When you make a tax payment, Nabbins asks you to confirm it, or you add it yourself. Then it tells you in dollars whether what you held back covered it. Once a year, you enter the total tax on your return, and it shows that next to what you held back over the year, in dollars.
It's a share of the whole deposit, before any of your costs. And it doesn't work out what you owe, file anything or give tax advice.
| You paid the IRS | $3,240.00 |
|---|---|
| Held back for it | $3,000.00 |
| Short | $240.00 |
Nabbins says this once, with a button to change your share. It doesn't say what the share should be.
Business money stays out.
Got a separate business account? Mark it “don't track” and it stays out of your number. If business and personal money share one account, you mark business transactions one at a time. It works, but a separate account is less work.
What it won't do.
- Bookkeeping and filing
- No invoices, bookkeeping or tax returns. It's for your personal spending.
- Tax advice
- None. Your share comes from you, and it doesn't work out what you owe or file anything.
- More than one income
- One source sets the clock. If you have several, Nabbins starts with the largest.
- Seasonal swings
- Not handled yet. If your year has a slow season, set your floor from it.
Hear when it's ready.
Nabbins is being built for people in the US, and pay that doesn't come on a schedule is part of it from the start. There's no launch date yet. Leave your email and we'll tell you about the beta and the launch.
Planned price: $12.99 a month.
Check your inbox.
We've sent a link to confirm it's you. Tap it and you're on the list.
We'll email you about the beta and the launch. Privacy notice