person
Personal$2,940
Monthly living draw
Rent and utilities$1,850
Daily spending$690
Personal savings$400
Freelancer finance Singapore
Your income goes up and down. Your peace of mind shouldn't.
Last month you earned $10,000. This month, $2,000. Gan Finance AI turns that irregular income into a plan for tax, bills, CPF MediSave contributions, and the months that run lean.
Stop guessing. Start planning.
Your six-month snapshot
Add a month to see the pattern change.
Oct
Nov
Dec
Jan
Feb
Mar
Suggested tax set-aside
$840
Steady monthly draw
$3,360
Income smoothing
The "salary" you deserve, even without an employer.
Gan Finance AI reviews your rolling income and sets a sensible monthly draw. Strong months fill an overflow account. Quiet months use it.
Your work stays variable. Your essentials don't.
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One calm number
A 12-month view separates money for living costs from money that can wait. Pay yourself $3,600 each month, then leave the overflow ready for the next quiet patch.
Build my draw arrow_forwardSample photographer's year
Actual income vs monthly draw
Actual$7,800
Draw$3,600
Quiet month$2,100
$3.6k
monthly draw
4.2 mo
buffer cover
$9.1k
overflow saved
Tax planning for side hustle income
Tax time won't be a surprise anymore.
The model estimates taxable income using your income, recorded business expenses, current IRAS rates, reliefs, and SRS contributions. It gives you a number to act on now.
Set aside with intent.
Planning dashboard
Year-to-date estimate
Taxable income
$48,600
On current pace
Projected bill
$2,184
Review quarterly
Set aside rate
12%
Adjusted monthly
Tax planning timeline2025
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Track
savings
Set aside
event
File
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Review
calculate
Expense-aware
Home office, mileage, equipment, and other likely deductions are flagged for review.
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MediSave ready
See how CPF MediSave contributions affect your cash plan before the bill arrives.
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Deadline prompts
Keep IRAS filing and instalment dates visible beside your monthly money plan.
Clearer money boundaries
Which pockets are yours? AI draws the line.
A client payment should not disappear into dinner, rent, and a new lens. Pattern-based tagging sorts transactions so your records stay useful.
Clarity starts at checkout.
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Business$1,260
Held for tax and work
Tax reserve$720
Software and tools$290
Equipment fund$250
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Bank-feed categories
Transactions are grouped by patterns and sent for your approval.
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Separate account guidance
Know when a dedicated business account will make records easier.
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Deduction prompts
Potentially deductible work costs surface before you forget them.
Side hustle income
Your 9-to-5 plus side hustle equals one clear picture.
Add salary, CPF from your main job, and gig earnings in one view. Gan Finance AI flags tax-bracket changes and shows how much extra income can go towards savings.
Every stream counts.
Map my income streams arrow_forwardMonthly income stack
layersMain salary$5,800
Weekend delivery$1,150
Design projects$780
Combined income
$7,730
Suggested savings
$1,160
Real working patterns
Freelancers finally feel in control.
The system is made for invoices, uneven weeks, and tax reserves that need attention before December.
“I used to treat every large project payment like spending money. Gan Finance AI showed me a steady draw and a separate tax reserve. The next IRAS bill felt planned for, not frightening.
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A clearer next month starts here
Your freelance life, finally financially sorted.
Set up income smoothing, tax planning, and a 12-month cash flow view with Gan Finance AI. Bring your latest invoices and bank figures. Leave with a plan you can use.
Tame Your Irregular Income arrow_forwardBuilt for gig workers, side-hustle earners, and self-employed professionals.