Know what you earned.
Know what you keep.
Know what to do next.
SoloOS gives solo entrepreneurs, consultants, and independent operators real financial clarity. Multi-currency accounts, automatic tax reserves, and a Safe-to-Spend balance you can trust — built to be accurate, not approximate.
Discretionary Capital
Liquid cash remaining after automatically isolating taxes, committed bills, and runway.
Reconciled Accounts
Real-time sum of checking accounts, mobile wallets, and foreign currency reserves.
Taxes & Obligations
Statutory tax withholdings, upcoming vendor payables, and recurring SaaS subscriptions.
Safe-to-Spend Structural Invariant
The Solo Reality
Making money isn't the hardest part.
Knowing what you can safely keep is.
When you run an independent practice, cash doesn't arrive as a predictable salary. Revenue flows in uneven lump sums, foreign exchange rates shift, and tax season lurks as an unquantified liability.
Scattered Account Balances
Money split across local banks, foreign currency accounts, and mobile wallets with no unified liquidity view.
Phantom Liquidity
High gross revenue creating a dangerous illusion of wealth while unsegregated tax obligations quietly pile up.
Guesswork Withdrawals
Chronic anxiety over whether paying yourself today will trigger an unexpected cash crunch when bills come due.
Fragile Spreadsheets
Fragile manual formulas where accidental edits, broken references, or currency conversions quietly corrupt your records.
"What can I safely spend today without risking my business?"
Traditional accounting tells you what happened last month. SoloOS is engineered to tell you what you can safely do right now.
By mathematically isolating estimated tax liabilities, upcoming recurring overhead, and your required operating buffer, SoloOS reveals your true discretionary capital.
Automatic Tax Segregation
Define your estimated tax percentage and watch reserves quarantined automatically whenever client invoices settle.
30-Day Obligation Defense
Scheduled vendor bills and recurring software expenses are locked away so you never face an unexpected cash crunch.
Guilt-Free Owner Withdrawals
Draw your profits or purchase business equipment knowing your mandatory commitments and taxes are already protected.
Liquid Cash − Reserves = Safe-to-Spend
Five continuous disciplines. Complete clarity.
SoloOS is organized around how solo operators make decisions, not how accountants file paperwork.
Capture
Every movement recorded
Multi-currency bank accounts, cash buffers, and client receivables recorded with clean categorization and zero clutter.
Understand
True net position
Separate gross income from quarantined tax reserves and committed operating costs. See what is truly yours.
Decide
Safe-to-Spend clarity
Stop guessing what you can withdraw. Receive exact algorithmic guardrails before paying yourself or investing in tools.
Act
Frictionless execution
Issue professional invoices, track receivables, pay obligations, and execute account transfers with database-backed integrity.
Measure
Authoritative history
Real-time cashflow trends, client and project profitability, and automated runway metrics to drive your next strategic step.
Tailored for the reality of solo work.
Built specifically for independent professionals who do not have an in-house finance team.
Independent Consultants
Track client retainers, calculate true hourly realization, and know exactly what is profit.
Freelancers & Contractors
Eliminate the fear of irregular income and surprise quarterly taxes with automated segregation.
Solo Agencies & Studios
Manage multiple clients and project budgets without the overhead of corporate ERP software.
Technical Founders
Command your runway, server costs, and SaaS subscriptions with database-enforced rigor.
Every capability live. Verified in code.
No roadmap placeholders. SoloOS is already equipped with full financial capabilities.
Cash & Multi-Currency Accounts
Track local bank accounts, foreign currency reserves, and cash holdings with unified base-currency conversion.
Invoices & Client Billing
Issue professional invoices, track payment status, record partial settlements, and monitor overdue receivables.
Safe-to-Spend Engine
Algorithmic calculation of disposable cash after auto-withholding taxes and 30-day committed obligations.
Expense & Obligation Tracking
Schedule recurring subscriptions, track vendor payables, and defend your required operating runway.
Client & Project Profitability
Direct linkage between billed revenue and direct expenses revealing your highest-margin clients and projects.
AI CFO Financial Copilot
Calm, read-only financial intelligence answering questions directly from your verified transactional numbers.
Your numbers are always accurate.
Spreadsheets drift. SoloOS keeps your balances correct at all times — every movement is recorded precisely, every workspace is fully private, and nothing can silently go wrong.
Complete Workspace Privacy
Your workspace is fully isolated. No other user or workspace can ever see your financial records, clients, or transactions.
Always-Accurate Balances
Every transfer, payment, and entry is recorded precisely. Balances never drift, round incorrectly, or silently lose a cent — all with a full audit trail.
AI That Advises, Never Acts
Your AI CFO reads your financial context to give you insight. It cannot move money, change records, or make decisions — only you can.
Test-drive SoloOS algorithms right now.
No sign-up required. Completely private and computed directly in your browser. Experience how authoritative financial modeling clarifies your solo business.
Safe-to-Spend Estimator
Estimate what you can safely withdraw after accounting for tax reserves, debt obligations, and cash buffers.
Cash Runway Calculator
Determine exactly how many months your liquid reserves can sustain current operational burn without new client income.
Tax Reserve Calculator
Compute effective quarterly tax quarantine amounts to eliminate surprise tax liabilities at filing time.
Invoice Profit Estimator
Isolate true take-home earnings on an invoice after accounting for processing fees, contractor costs, and tax withholdings.
Profit Margin Calculator
Calculate gross vs. net margin across revenue, direct fulfillment costs, and overhead to verify contract viability.
All Free Tools
Access all 5 standalone calculators, or create a permanent free workspace for automated multi-currency tracking.
Simple, predictable plans for solo operators.
Start free forever, or upgrade for full financial intelligence and exports.
Independent pricing per market. Not an FX conversion.
Free
PermanentCore financial tracking for getting started.
MWK 0/month
No credit card required
- Up to 5 active clients
- Up to 10 invoices / month
- Cash & account tracking
- Basic Safe-to-Spend indicator
Solo
Full EngineEverything an independent operator needs.
MWK 14,000/month
Billed monthly · Cancel anytime
- Unlimited clients & invoices
- Full Safe-to-Spend breakdown & reserves
- Automated tax reserve planning
- Recurring expenses & 30-day obligations
- Professional PDF invoice generation
Pro
AI & MarginsAdvanced intelligence and project margins.
MWK 21,000/month
Billed monthly · Cancel anytime
- Everything in Solo plan
- AI CFO financial copilot
- Client & project profitability engine
- Priority support response
Honest answers to common questions.
Stop guessing what your money can do.
Join independent consultants, freelancers, and operators who run their businesses with calm, authoritative financial certainty.
Earn while you teach
independent finance.
SoloOS Creators earn a 20% recurring commission on every subscription they refer — for a full 12 months. If you create content for freelancers, consultants, or digital nomads, your audience already needs SoloOS.
Applications reviewed within 3 business days · No follower minimum