FY 2025-26 rules live · Fully automated

Your freelance finances
on autopilot

IncomeWave automatically imports your bank data, classifies expenses, estimates your taxes using live government rules, converts currencies, and gives you AI-powered insights — all in one dashboard built for how freelancers actually get paid.

100%
Automated pipeline
30+
Countries · tax rules
50+
Currencies · live FX
Free
To start
⚖️
Sample Data Notice: All figures shown in demos and screenshots are illustrative sample data generated by the app — not real user financials. No fake testimonials or fabricated statements are shown. This complies with India's Consumer Protection Act 2019, IT Act 2000, and FTC guidelines.
How it works

Zero manual work.
Everything automated.

Here is exactly what happens from the moment you import your bank data to the moment your dashboard is ready.

01

Import your bank data

Upload any bank CSV file — HDFC, ICICI, SBI, Chase, Barclays, Wise, Payoneer or any other. You can also load sample data instantly. No template needed — the system auto-detects your date, amount, and description columns regardless of how your bank formats them.

02

6-stage automated pipeline

Your data passes through 6 automated stages: Ingest → Normalize → Classify → FX Convert → Tax Compute → Dashboard. Each transaction gets auto-classified (Uber → Travel, Adobe → Software, etc.) using ML keyword rules with a confidence score from 1–5.

03

Everything computed for you

Instantly see: total income, expenses, net profit, 3-month smoothed income average, quarterly tax estimate, cash flow forecast, expense breakdown by category, and project profitability. All calculated automatically from your imported data. Nothing to fill in manually.

Every feature explained

What's automated &
how each tool works

Every feature below is fully working in the app. Here's exactly what each one does and who it's for.

📊

Income Smoothing

Freelancers get paid irregularly — ₹1.2L one month, ₹30K the next. Income Smoothing calculates a 3-month rolling average of your income and plots it as a line over your raw monthly bars. This tells you your real, stable monthly earning power — not just what happened to arrive this month. Use this number to set your personal monthly budget.

Computed automatically from your transactions. No input needed.

Free tierFully automated
🧮

Tax Estimator — Latest Government Rules

Calculates your quarterly advance tax using the latest official tax slabs sourced from government portals. For India: Finance Act 2025 — New Regime (nil tax up to ₹12L via 87A rebate, ₹75K standard deduction) vs Old Regime. Also covers USA (IRS 2025), UK (HMRC 2025-26), Canada, Australia, Germany, France, Singapore. Shows quarterly due dates, effective rate, monthly set-aside needed, and deduction hints based on your actual expense categories.

⚠️ Planning tool only. Not tax filing advice. Always verify with a CA.

Pro featureAuto-updated rules
💱

Multi-Currency FX Conversion

Fetches live exchange rates from open.er-api.com (free API, no key needed, updated every 24h). Every transaction in your CSV is automatically converted to your base currency (INR by default) for unified reporting. A built-in converter lets you calculate any currency pair instantly. The pie chart shows what percentage of your income came from each currency — useful for understanding FX risk.

Falls back to recent hardcoded rates if API is unavailable.

Pro featureLive rates API
🤖

AI Financial Analyst

Powered by Claude (Anthropic). When you ask a question, an anonymised summary of your finances (totals, categories, trends — not individual transaction descriptions) is sent to Claude's API. It returns specific, actionable insights: which months drive most revenue, which deductions you're likely missing, whether your expenses are unusually high, and a 3-month income forecast. You can also ask free-form questions in plain language.

Data sent to API only when you ask. Nothing stored between sessions.

Pro featureClaude API powered
🧾

Invoice Generator

Fill in client name, description, amount, and GST rate — a professional invoice renders live on the right side. GST is calculated automatically (0%, 5%, 12%, or 18%). Click Download PDF to print or save directly from the browser. Auto-increments invoice numbers. Supports INR, USD, GBP, EUR. The invoice is completely formatted with your name, client name, itemised work, tax breakdown, total, and payment terms.

Free tier: 3 invoices/month. Pro: unlimited.

Free (3/mo)Unlimited on Pro
📁

Project Profitability

Add your freelance projects — name, client, revenue earned, and expenses incurred. The dashboard shows profit per project, margin percentage, and a visual progress bar. Compare which clients and project types generate the best return for your time. Helps you decide which clients to focus on and which to drop or reprice. You can add unlimited projects on Pro.

Free tier: 3 projects. Pro: unlimited.

Free (3 projects)Unlimited on Pro
📈

Cash Flow Forecast

Uses a trend-weighted average model to project your income for the next 3 months. Takes your last 3 months of income, calculates the average, adds a weighted trend component (if income is growing, the forecast tilts higher). Displayed as a dashed forecast line chart. Helps you plan for slow months before they arrive. A ₹2L month followed by a ₹40K month is common in freelancing — the forecast helps you set aside reserves in advance.

Pro featureML trend model
📤

PDF Reports & Export

Export a complete financial report as PDF: income summary, expense breakdown by category, tax estimate with slabs, quarterly deadlines, and all recent transactions. The report includes a disclaimer watermark ("not a certified financial statement") and is formatted to share with your Chartered Accountant. Also export all transactions as CSV at any time. Reports are generated entirely in the browser — no server upload required.

Pro featureBrowser-generated
🔌

API Access — What It Means

Business plan includes API access. This means: we provide a JSON export of your financial data that you can pull programmatically into your own tools — your CRM, project management system, or custom dashboard. In the current version, this is a "Download JSON" button that exports your data in structured JSON format. A live REST API endpoint is on the roadmap. This is not a cost to you — it's a feature you get.

Current: JSON export button. Roadmap: REST API endpoint.

Business featureAutomated export
👥

Team Members & Client Portal

Business plan allows up to 3 team members — you can invite a co-founder, virtual assistant, or team member who can view your dashboard. The client portal is a read-only link you share with a specific client — they see only their project's invoices and deliverables, nothing else. This is automated — you generate the invite link, they click it, no manual setup needed.

Team + portal is on the roadmap for full deployment. Demo mode available.

Business feature
Pricing

Simple pricing.
Pay what you need.

Indian users pay in ₹ via UPI/cards. International pricing coming soon.

Starter
₹0/mo
Free forever · No card needed
Core tools to understand your freelance income. No time limit.
  • CSV import (any bank format)
  • Auto-classify transactions (ML)
  • Income + expense tracking
  • Up to 3 active projects
  • 3 invoices per month
  • Basic income + expense charts
  • PDF export (basic)
  • Tax estimation (30+ countries)
  • Multi-currency FX (50+ currencies)
  • AI Financial Analyst (Claude)
  • Cash flow forecast
  • Unlimited projects + invoices
POPULAR
Pro
₹1,599/mo
International pricing — coming soon
Full automation: tax engine, FX, AI analyst, unlimited projects and invoices.
  • Everything in Starter
  • Unlimited projects + invoices
  • Tax estimation — India New + Old Regime (FY 2025-26)
  • Tax estimation — USA, UK, Canada, Australia + 26 more
  • Multi-currency FX (50+ currencies, live rates)
  • AI Financial Analyst powered by Claude
  • Cash flow forecast (3-month ML model)
  • PDF tax report with deduction hints
  • Project profitability analysis
  • Accountant-shareable export
  • Tax deadline reminders
Business
₹3,299/mo
International pricing — coming soon
For agencies, studios, and high-volume freelancers who need team access.
  • Everything in Pro
  • Up to 3 team members (invite link)
  • Client portal (read-only access link)
  • Custom invoice branding + logo
  • API / JSON data export
  • Priority WhatsApp support
  • SOC2 compliance report PDF
  • Advanced analytics export (CSV + JSON)
💡 Annual billing saves 2 months (2 months free). All paid plans: 14-day free trial, cancel anytime. +GST for Indian users.
🇮🇳 Payments for Indian users: UPI (0% fee), Debit/Credit card (2% + GST), NetBanking (₹15 flat) via Razorpay. 🌍 International payments: Coming soon. For now, international users can email gurucharan.k@zohomail.in for manual activation.
FAQ

Common questions

Almost everything is fully automated once you import your CSV. You upload your bank statement once, and IncomeWave auto-detects the columns, classifies every transaction by category (Uber → Travel, Adobe → Software, etc.), converts currencies using live rates, computes your tax estimate using this year's government slabs, and renders all charts and KPIs. The only things that need manual input are the Invoice Generator (you fill in client details) and Project Tracker (you add your projects). Everything analytical is automatic.
The tax engine uses the exact current-year tax slabs from the Finance Act 2025 for India (and equivalent legislation for other countries). For most salaried freelancers with straightforward income, the estimate will be very close to actual liability. However, IncomeWave does NOT account for: capital gains, rental income, multiple employer TDS, HUF, foreign income, or complex deduction combinations. The estimates are for planning purposes only — always verify with a Chartered Accountant before filing.
After you complete payment on the Razorpay page, you'll be redirected back to IncomeWave where your activation code is displayed. The code (e.g. IW-PRO-XXXXXX) is also sent to your WhatsApp number you provided during checkout. Go to Dashboard → Settings → Plan Activation → enter the code to unlock Pro or Business features. If you don't receive the code within 15 minutes, contact gurucharan.k@zohomail.in with your payment reference number.
API access is included in the Business plan at no extra cost. In the current version, this means a structured JSON export of all your financial data — transactions, categories, metrics, and tax estimates — that you can download and import into other tools. A live REST API endpoint (so other software can query your data directly) is on the roadmap. It does not mean access to any paid external API — it's a feature IncomeWave provides to you.
Razorpay supports international cards but it is NOT free. International payments on Razorpay cost 3% + ₹7 per transaction and require business KYC approval (apply at razorpay.com → Settings → International Payments). For international payments, Stripe is a better option — 2.9% + 30¢ per transaction, no setup fee, easier global approval. IncomeWave's international payment option is currently "coming soon" — international users can email gurucharan.k@zohomail.in for manual plan activation while we complete Stripe integration.
In the current version, all your financial data stays entirely in your browser session — nothing is uploaded to any server. When you close or refresh the tab, data is cleared. The only data that leaves your browser is (a) payment information which goes to Razorpay's servers, and (b) when you use the AI Analyst — an anonymised financial summary (totals and categories only, not individual transactions) is sent to Claude's API. Individual transaction descriptions are never shared. A server-side storage option (with AES-256 encryption) is coming in the next version for paid users.
Wave and FreshBooks are built for small businesses with stable, predictable income. IncomeWave is built specifically for freelancers with irregular income. The key differences: (1) Income Smoothing — visualising your real earning baseline across lumpy months; (2) Freelancer-first tax models with advance tax installment scheduling; (3) Multi-currency FX built for Upwork/Fiverr/Toptal international clients; (4) Project profitability rather than full double-entry bookkeeping. IncomeWave is simpler, faster to set up, and laser-focused on the freelance use case.
Yes. If you're not satisfied within 30 days of your first paid subscription, email gurucharan.k@zohomail.in with your payment reference and we'll process a full refund — no questions asked. Annual plans cancelled after 30 days receive a pro-rata refund for unused complete months. See the full Refund Policy link in the footer.
Get started today

Stop guessing.
Start knowing.

Join freelancers who've taken control of their income and taxes. Free to start, powerful when you grow.

Questions? gurucharan.k@zohomail.in

Pro Plan

14-day free trial · Cancel anytime

Pro Plan
Monthly · 14-day free trial
₹1,599/mo

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By paying you agree to our Terms and Refund Policy.

Dashboard

No data · Load samples or import CSV

📊

Nothing here yet

Load sample data or import your bank CSV to see your dashboard.

Import Data

Auto-normalize · ML-classify · FX-convert · Tax-compute

Auto-updating · Tax rules: Finance Act 2025 · FX: live rates · Last sync: —
📂

Drop your bank CSV here

HDFC · ICICI · SBI · Axis · Chase · Barclays · Wise · Payoneer · Any generic CSV
Auto-detects date / amount / description — no template needed

📥
Ingest
Waiting
🔄
Normalize
Waiting
🏷️
Classify
Waiting
💱
FX Convert
Waiting
🧮
Tax Engine
Waiting
✅
Ready
Waiting

Transactions

All · Auto-classified

🧾

No transactions

Import data first.

Charts

Detailed analytics

📈

No data

Import first.

Tax Estimator

Latest 2025-26 rules · Live govt sources

Sources: incometax.gov.in · irs.gov · hmrc.gov.uk · Finance Act 2025 · IRS Rev.Proc.2024-61
Breakdown
FY 2025-26
Tax Slabs
Key Deadlines
Deduction Hints
Based on your transactions
⚠️ Estimates for planning only. Not tax filing advice. Consult a CA. Full disclaimer →

Project Profitability

Income and costs per client or project

Add Project

Invoice Generator

Professional invoices · Auto GST · PDF download

Invoice Details

FX & Currency

Fetching live rates…

Converter
LIVE RATES
—
—
Income by Currency

AI Analyst

Claude-powered · Analyses your real transaction data

🤖
IncomeWave AI
Ask anything · Uses your actual data
👋 Hi! I'm your AI financial analyst powered by Claude. Import your transaction data first, then I can analyse income patterns, suggest deductions, flag anomalies, and answer any finance question.
🔒 Only anonymised totals and categories sent to Claude API · No individual transactions · Not stored between sessions

Settings

Profile
Activate Plan

Enter the activation code from your WhatsApp or email after payment.

Current: Free Plan
Notifications
Quarterly Tax Reminders
2 weeks before due
Auto-classify on Import
ML keyword classification
Daily FX Sync
Keep rates current
Data
🔒 JSON API Export — Business Plan only (₹3,299/mo)

Admin Panel · Restricted Access

Authorized access only. Contact admin for credentials.

IncomeWave Documentation

Complete guide to every feature — what it does, how it works, and how to use it.

What is IncomeWave?
IncomeWave is an automated financial dashboard for freelancers and gig workers. It solves the specific problems freelancers face that general accounting tools like Wave or FreshBooks don't address: irregular income (smoothing), quarterly advance tax scheduling, multi-currency client payments, and project-by-project profitability. Everything is automated from a single CSV import — no manual data entry, no spreadsheets.
Who is it for?
Any independent worker: freelancers, consultants, designers, developers, content creators, Upwork/Fiverr/Toptal workers, coaches, photographers, writers. Especially useful if you: get paid irregularly (not on the 1st of every month), have clients in multiple countries/currencies, aren't sure how much to set aside for advance tax, or want to know which clients are most profitable.
Income Smoothing — how it works
After importing your transactions, IncomeWave groups income by month. For each month, it computes the 3-month rolling average (current month + 2 prior months ÷ 3). This smoothed value is plotted as a line over your actual monthly bars. The smoothed figure is your budgeting baseline — what you can reliably spend monthly, ignoring lucky big months and scary empty months.
Tax Engine — India FY 2025-26
New Regime (Finance Act 2025): ₹0–4L: 0% · ₹4–8L: 5% · ₹8–12L: 10% · ₹12–16L: 15% · ₹16–20L: 20% · ₹20–24L: 25% · ₹24L+: 30%. Standard deduction ₹75,000. Sec 87A rebate: nil tax up to ₹12L. Cess: 4%.

Old Regime: ₹0–2.5L: 0% · ₹2.5–5L: 5% · ₹5–10L: 20% · ₹10L+: 30%. Allows 80C (₹1.5L), 80D (₹25K), HRA, LTA.
How to use Razorpay payment links
When a user clicks "Pay ₹1,599" on the Pro plan:
1. They fill their name, email, and WhatsApp number
2. Click "Pay via Razorpay" — they are taken to your real Razorpay payment page
3. They pay via UPI, card, or NetBanking
4. Razorpay sends you a payment notification (email + Razorpay dashboard)
5. You open Admin → Codes → Generate code for that user
6. Click "Send WhatsApp" — opens a pre-filled message to their number
7. They enter the code in Dashboard → Settings → Activate Plan
API Access explained
Business plan "API access" means you can export your financial data as structured JSON. In Dashboard → Settings → Export JSON, you get a complete machine-readable file of all transactions, categories, monthly aggregates, and tax estimates. This is useful if you want to import data into Notion, Airtable, custom tools, or a Power BI dashboard. A live REST API endpoint (where software can query directly) is on the roadmap. It does not cost extra — it's included in the Business plan.
What is free vs paid?
Free forever: CSV import, auto-classify, income + expense tracking, basic charts, 3 projects, 3 invoices/month.

Pro (₹1,599/mo): Tax estimation (30+ countries), multi-currency FX, AI Analyst, cash flow forecast, unlimited projects + invoices, PDF reports, deduction hints.

Business (₹3,299/mo): Everything in Pro + team members, client portal, JSON API export, custom invoice branding, priority support.
Legal: fake reviews & financial statements
IncomeWave does not show fake testimonials or fabricated financial statements. All dashboard figures shown publicly are sample data generated by the app itself, clearly labeled. This is legally required under India's Consumer Protection Act 2019, IT Act 2000, and FTC guidelines (US). Showing fake reviews or fabricated income figures = deceptive advertising = fines up to ₹10L + imprisonment in India, $50K/violation in the US. We use "Sample Output" sections with illustrative data notices instead.
⚠️ Disclaimers: Tax estimates are planning tools only — not tax filing advice. Consult a CA before filing. · IncomeWave is not a licensed financial advisor. · All sample data shown is illustrative only. · Razorpay international payments require KYC approval and cost 3% + ₹7/transaction. · AI analysis sends anonymised summaries to Claude API only when you ask a question.