Account separation
Operating money, personal money, savings, and taxes should not blur together.
Freelancers
When income changes every month, clarity matters more
Freelancers usually need more than spending categories. They need to understand irregular income, multiple accounts, liquidity, and net worth at the same time.
Variable incomeMultiple accountsCash buffer
What freelancers usually need
Variable-income context
Monthly numbers need more interpretation when invoices land unevenly.
Cash protection
Net worth matters, but available liquidity matters just as much.