For people who work for themselves

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eKnow what is actually yours this monthu003c/spanu003e

Marlo Fintech reads every account you already use, sets aside what belongs to the tax office, and shows you one number you can safely spend.

Start free

See what it does

Free while you are under $2,000 a month. No card.

Safe to spend today

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Up $610 on this time last month

In your accounts

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Held back for tax

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Rent, software, insurance

Owed to you, not yet paid

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Bank connections are read-only. Marlo Fintech cannot move your money.

Your data stays in the region you choose when you sign up.

Export everything, or close the account, in two clicks.

The bit nobody warns you about

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eThe balance is the most confident wrong number you ownu003c/spanu003e

It knows nothing about the invoice you sent on Tuesday, the tax due in January, or the insurance that leaves on the first. So you either keep a running total in your head, or you find out in March.

Four accounts, three of them you check monthly at best

A tax bill you have been estimating since April

Money that is already spent but has not left yet

How Marlo Fintech handles it →

Paying by card on a phone, one hand each

What you get

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eThree things, done properlyu003c/spanu003e

Everything else in Marlo Fintech exists to keep these three true without you thinking about them.

One place, every account

Bank accounts, card, payment processor and cash all read into a single view that updates overnight.

Tax comes off first

A share of every payment moves to a separate pot the moment it lands, before it can be counted as spendable.

No accounting vocabulary

Nothing here says accrual, reconciliation or ledger. It says what you have, what is owed, and what is already promised.

A jar of coins at the end of a working desk

Pots

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Set a percentage for tax and a monthly figure for fixed costs. Every payment that arrives is split on the way in, so the number on your dashboard is already the honest one.

A rate you set once, checked twice a year

Fixed costs held back on the day they usually leave

A buffer pot that fills only when the others are full

In use

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eWhat the first ninety days usually look likeu003c/spanu003e

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to connect the first account

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average share held back for tax

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median buffer after three months

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rating from 610 reviews

Invoices

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eThe chase, handled before it gets awkwardu003c/spanu003e

Marlo Fintech matches payments to invoices as they arrive and sends the reminder you would have sent yourself — the same wording, on the day you chose, without you rereading it four times first.

Reminders at day one, day fourteen and day thirty

Paid invoices close themselves and leave the list

One line showing who is late and by how much

See the whole feature list →

Checking something on a phone beside an open laptop

Getting started

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Connect

Pick your bank from the list and approve a read-only connection. Most people are through this in under ten minutes.

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Set two numbers

A tax percentage and what your fixed costs come to each month. You can change both later without redoing anything.

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Check it on Mondays

One figure, updated overnight. Everything underneath it is there when you want to know why.

From the people using it

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eSix weeks in, the question changesu003c/spanu003e

I stopped doing the sum in my head on Sunday nights. That is the whole review, really.

Hannah VaughnCeramicist, Leeds

The tax pot filled up on its own and I did not have to be brave about it once.

Marcus OyelaranSound engineer, Manchester

First January in four years I knew the bill before the letter came.

Elena DuarteStudio owner, Lisbon

Plans

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Free under $2,000 a month, because a plan you cannot afford in a quiet month is not a plan.

Solo

While you take under $2,000 a month

Two connected accounts

Tax pot and one fixed-cost pot

Invoice reminders

Start free

Working

Most picked

One person, no ceiling on what you take

Unlimited accounts and pots

Cash takings and market days

Year-end summary your accountant accepts

Answers within one working day

Start free

Team

Up to five people sharing one set of books

Five logins with separate permissions

Payroll held back like any other cost

Two-person approval on payments out

A named person to call

Talk to us

Full detail on the u003ca href=u0022pricing}}u0022u003eu003cspan style=u0022color:#4a1c0e;text-decoration:none;display:inline-blocku0022u003eplans pageu003c/spanu003eu003c/au003e.

Before you connect anything

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It is about the bank connection, and it should be. Here is the honest version.

Ask us something else

What can Marlo Fintech actually do with my bank account?

Read it. The connection is read-only through your bank’s own open banking service, which means we can see transactions and balances and cannot move money, change details or set up a payment. You approve the connection at your bank, not here, and you can revoke it there at any time without telling us.

Do I need to know any accounting?

No, and the product is built on the assumption that you do not want to. It asks for a tax percentage and a monthly figure for fixed costs. If your accountant wants something at year end, there is a summary they will recognise.

What happens if I stop paying?

The account drops to the free plan and everything stays readable. Nothing is deleted, and you can export the lot as a spreadsheet whenever you like, including after you have closed the account.

Does it work if half my income is cash?

Yes. Market takings and cash jobs go in as a day total, which is how most people who work in cash already record them. They sit alongside the connected accounts rather than in a separate corner.

u003cspan style=u0022font-family:Georgia,u0026apos;Iowan Old Styleu0026apos;,u0026apos;Palatino Linotypeu0026apos;,Palatino,u0026apos;Times New Romanu0026apos;,serifu0022u003eStart with one account and seeu003c/spanu003e

Connect the account your work is paid into. If the number it shows you is not more useful than your bank app, close the tab.

Start free

Talk to a person

Free under $2,000 a month · no card · cancel in two clicks