Wavely Budget: Money Planner

Cash flow for freelancers

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

See what you can safely spend today, plan around variable income, and spot cash shortfalls before they catch you off guard. Wavely helps freelancers, creators, contractors, and independent earners plan around income that changes from month to month. Instead of forcing variable income into a fixed monthly budget, Wavely answers the question that matters now: how much can you safely spend today? SAFE TO SPEND, EXPLAINED See one clear amount based on the cash you have, upcoming income, bills, estimated taxes, fees, and protected reserves. Open the explanation whenever you want to understand what changed. PLAN AHEAD • Forecast cash flow 14, 30, 60, or 90 days ahead • Switch between cautious, balanced, and optimistic assumptions • Spot a possible shortfall before its due date • Test one or several what-if scenarios before applying them TRACK VARIABLE INCOME • Add one-time and repeating income • Track expected, overdue, and received payments • Record actual amounts, fees, and estimated tax reserves • Keep accounts, transfers, bills, and reserves together STAY IN CONTROL • Search and filter a complete activity history • Export your data as CSV or JSON • Protect the app with the device lock • Schedule private, on-device reminders • Use light or dark appearance in 14 supported languages PRIVATE BY DEFAULT The current version works without an account. Your financial planning data stays in the app’s local database on your device. Wavely does not use ads or tracking. Wavely is a planning tool, not financial, tax, legal, or accounting advice. Forecasts and tax reserves are estimates based on information and assumptions you provide.

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The developer, Ngoc Nguyen Tuan, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    Ngoc Nguyen Tuan
    Size
    52 MB
    Category
    Finance
    Compatibility
    Requires iOS 16.4 or later.
    • iPhone
      Requires iOS 16.4 or later.
    • Mac
      Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English and 13 more
    • English, Arabic, French, German, Hindi, Indonesian, Japanese, Korean, Portuguese, Simplified Chinese, Spanish, Thai, Traditional Chinese, Vietnamese
    Age Rating
    4+
    Copyright
    © 2026 Wavely Budget
  • Developer Website
  • Privacy Policy

    • More by Ngoc Nguyen Tuan