Budgeting for freelancers and consultants
Income that varies month to month, no employer cover, and advance tax to remember. A larger emergency fund, self-bought health and term cover, and budgeting on the lowest reliable month.
- Built for
- The family
- Focus here
- Income and expenses
- Price
- Free
not one person
of the full picture
no card needed
The problem, specifically
Income that varies month to month, no employer cover, and advance tax to remember. A budget only works when the recurring parts record themselves and the whole household can see the result — otherwise it becomes a monthly chore that gets abandoned by March.
What to set up once
Every income source, including bonuses and variable pay. Every recurring expense, at its real frequency — monthly, quarterly, annual. Categories that match how your household actually thinks about money. After that, the month largely records itself and you are looking at a surplus figure rather than assembling one.
The number to watch
Monthly surplus: income minus every outflow including EMIs and premiums. It is the only figure that tells you whether the household is moving forward, and most families have never calculated it.
Where FamTally comes in
FamTally covers income and expenses for freelancers and consultants: loans with real amortisation, income and recurring expenses, assets valued at today's prices, insurance with renewal reminders, goals with projected dates, and a five-year cashflow forecast. Invite the rest of the family with view or edit access so the knowledge is not held by one person. The AI assistant answers questions against your own numbers — "can we afford this?", "which loan should we clear first?" — instead of offering generic advice. Free to use.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Is FamTally suitable for freelancers and consultants?
Yes. It is built around an Indian household rather than an individual account — loans, income, expenses, assets, insurance and goals in one place, shared with whoever needs to see them.
Can more than one person use the same account?
Yes. Invite family members and give each of them view or edit access. Everyone sees the same numbers, which is usually the change that matters most.
Does it connect to my bank?
No. You record what matters — income, expenses, loans, assets and policies — and the app does the calculation, projection and reminding. Nothing needs your banking credentials.
What does it cost?
It is free to use, including the AI assistant within its daily limits.